Elm Gateway

Identity Verification & KYC

IDENTITY VERIFICATION & KYC

One Gateway to Saudi Government Identity Verification

Elm Gateway connects your bank or fintech to Elm’s government-backed verification services — Yakeen, Wathq, and Nafath — through a single API. Verify individuals and businesses in real time, onboard customers in seconds, and stay compliant with SAMA and CMA requirements.

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Verified Identity, Without the Integration Headache

Every regulated financial institution in Saudi Arabia needs to confirm who its customers really are — checking national ID and Iqama data, commercial registrations, and authorized signatories against official government sources. Building and maintaining separate connections to each of Elm’s services is slow, technical, and hard to keep compliant.

Elm Gateway solves that. It gives you one secure API that routes verification requests to the right Elm service — Yakeen for individuals, Wathq for organizations, and Nafath for national authentication — and returns clean, verified data to your systems. One integration, one contact point with us, full audit trail.

What's Inside

Real-Time Individual Verification (Yakeen)

Verify national ID and Iqama details against the National Information Center and Saudi Post in real time — the foundation of compliant KYC.

Business Verification (Wathq)

Confirm commercial registrations, company status, and authorized signatories so you can onboard corporate customers with confidence (KYB).

National Authentication (Nafath)

Let customers securely confirm their identity and consent through Nafath single sign-on, reducing manual entry and fraud.

One Unified API

Replace multiple point-to-point integrations with a single REST API. We handle the routing, mapping, and connectivity to each Elm service.

Compliance-Ready by Design

Built to support SAMA and CMA KYC/AML obligations, with full request logging and audit trails for regulatory reporting.

Real-Time & Batch Modes

Verify one customer instantly at onboarding, or run large batches for portfolio checks and periodic re-verification.

From Request to Verified Customer in Four Steps

1. Connect

Integrate Elm Gateway once through a single REST API. No need to build against each Elm service separately.

2. Verify

Submit ID, Iqama, or commercial-registration data. The gateway routes each request to the right Elm service automatically.

3. Authenticate

Optionally add a Nafath step so customers confirm their identity and consent directly, paperless and secure.

4. Onboard

Receive verified, structured data back in real time and complete onboarding — in seconds, not days.

Why Financial Institutions Choose It

  • Onboard in Seconds — real-time verification replaces days of manual checks
  • Reduce Fraud — data straight from official government sources
  • Compliance Confidence — aligned with SAMA & CMA KYC/AML, full audit trail
  • One Integration — a single API replaces multiple technical connections
  • Better Customer Experience — less typing, fewer branch visits, faster approvals
  • Scales With You — handle onboarding spikes and bulk re-verification easily

Built For

  • Banks & Financial Institutions onboarding retail and corporate customers under SAMA rules
  • Fintechs & Digital Wallets needing fast, compliant, paperless onboarding
  • Insurance & InsurTech verifying policyholder identity and data
  • Lending & Crowdfunding Platforms meeting CMA verification requirements at scale

Fits Your Stack

Elm Gateway is delivered as a single, well-documented REST API that supports both real-time and batch verification. It connects your onboarding, core banking, or lending systems to Elm’s Yakeen, Wathq, and Nafath services, and returns structured, verified data ready to use. Our team handles the connectivity and mapping end to end, so your developers integrate once and move on.

Ready to Verify Customers in Real Time?

See how quickly Elm Gateway can plug government-backed identity verification into your onboarding flow. Book a walkthrough with our team.

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Frequently Asked Questions

It’s a single integration layer that connects your systems to Elm’s verification services — Yakeen (individuals), Wathq (businesses), and Nafath (authentication) — so you can verify identity and onboard customers without building separate integrations for each.
Access to Elm’s services requires the appropriate authorization and service agreements with Elm. We guide you through that process and handle the technical integration so you’re up and running quickly.
Yes. You can verify a single customer instantly during onboarding, or run large batches for portfolio checks and periodic re-verification.
Elm Gateway is designed to support SAMA and CMA KYC/AML requirements, including full request logging and audit trails. Your compliance team retains control over policies and thresholds.
Because everything runs through one API, integration is far faster than connecting to each service individually. After a short discovery session we provide a clear roadmap with milestones.