Identity platforms are evolving. Regulators expect cryptographic assurances, financial institutions demand transparent lineage, and enterprises must demonstrate that every verification decision is provably tied to authentic data.
Engineering teams now face a new standard: KYC and KYB workflows must be verifiable, immutable, and audit-ready by design. Walacor provides the technical foundation to build exactly that.
This article explains, at a systems-architecture level, how technologists use Walacor to build a next-generation KYC/KYB engine where every identity artifact, verification step, and decision is cryptographically anchored, lineage-rich, and jurisdictionally compliant.
Re-Defining KYC: From Stored Data to Verifiable Lineage
Traditional identity systems treat verification as a database workflow:
- Upload a document
- Run checks
- Save a result
- Store a few logs
Walacor changes the model by treating each step as a cryptographically sealed event, preserved in a permanent, versioned audit chain.
For engineering teams, this means:
- Every write is an immutable record: No edits, no overwrites, every version persists.
- Every event has a hash-level proof: You can validate any record against its original cryptographic fingerprint.
- Every change has a clear ancestor and descendant: Systems evolve, data evolves, verification criteria evolve, and lineage captures all of it.
This transforms KYC from a mutable workflow into a verifiable history.
Modeling KYC/KYB Using Walacor Data Schemas
Walacor uses typed, versioned schemas that define the structure of data for each verification stage. A KYC/KYB platform typically implements schemas such as:
Identity Intake Schema
- Name, DOB, address
- Applicant metadata
- Device/browser fingerprints
- Verification session identifiers
Document Schema
- Source type (passport, driver’s license, certificate of incorporation, PoA, etc.)
- Machine-readable zone extraction
- OCR outputs
- Face match or hologram integrity results
- Reference to the stored binary file
Screening Schema
- Sanctions / PEP hits
- Risk scoring details
- Watchlist metadata
- Supporting audit details
Manual Review Schema
- Reviewer identity
- Notes, flags, escalations
- Override reasons
- Decision tree path
Decision Schema
- Pass / fail / retry
- Evidence set summary
- Confidence scores
- Compliance annotations
Because schemas are versioned, your platform can evolve without losing past context. If you change how risk scoring works next year, auditors can still see exactly how it worked two years ago. For regulated environments, this is invaluable.
Cryptographically Secured Document Handling
Identity verification is document-heavy. Walacor brings rigor and security to that process by:
- Encrypting every document automatically: No cryptographer needed.
- Deduplicating at the bit level: Detects duplicate uploads or fraudulent re-submissions instantaneously.
- Anchoring each file to a hash: If a partner, regulator, or bank asks: “Prove that this is the exact document you reviewed in 2023,” you can — instantly.
- Separating file storage from data storage: Large files don’t pollute your operational queries, while still maintaining perfect traceability.
This gives engineering teams a highly scalable, high-integrity document pipeline suitable for financial institutions.
Event-Driven Verification Through Immutable Envelopes
Every business action in Walacor is encapsulated in an Envelope, a structured object containing:
- A schema reference
- The submitted data
- Metadata about the action
- A cryptographic hash proving that the data has not changed
For KYC/KYB systems, each key event writes its own Envelope:
- Applicant submits identity info
- Document is uploaded and hashed
- Biometric/liveness checks run
- Screening results arrive
- Reviewer escalates or approves
- Final decision is issued
- Follow-up monitoring or periodic KYC occurs
The result is a complete, queryable timeline of every identity investigation.
This eliminates ambiguity in compliance audits and gives engineering leaders a durable truth layer beneath the application logic.
Permissioned Data Sharing With Institutions and Regulators
Identity platforms increasingly operate in fragmented ecosystems that include fintechs, virtual asset service providers (VASPs), banks, Banking-as-a-Service partners, identity orchestration platforms, regulated third parties, and cross-border compliance teams.
Walacor provides the foundational capabilities for permissioned data sharing through a cryptographically anchored, handshake-based sharing protocol. Two organizations must pre-register and mutually approve shared access before any data is made available. This protocol establishes:
- Explicit scoping of which data structures may be shared
- Time-bounded sharing windows
- Cryptographic linkage between shared data and its originating records
- Immutable records of organizational and administrative approvals
Walacor enforces the integrity, lineage, and approval state of shared data, while allowing application teams to implement their own business logic and policies on top of these guarantees. This enables engineering teams to deliver secure, auditor-friendly data mobility without having to design custom cryptographic trust, approval, or lineage systems for each partner integration.
Role-Based Access Control for Regulated Workflows
Technologists building regulated identity systems must ensure clear separation of duties across workflows, including reviewers versus approvers, automated checks versus manual overrides, L1 analysts versus L2 compliance reviewers, and internal versus partner access.
Walacor does not attempt to replace enterprise-grade identity, access management, or policy engines. Instead, it is designed to integrate cleanly with external Identity Providers (IdPs) and Identity Brokers that specialize in authentication, authorization, RBAC, ABAC, and policy enforcement.
In this model, Walacor provides:
- Immutable user identity records and external identity references
- Cryptographically anchored role and entitlement assignments as stateful facts
- Permanent logging of role and entitlement changes over time
- Full auditability of create, update, and delete actions associated with identity state
Access decisions, read authorization, and policy evaluation remain the responsibility of upstream IdPs and brokers. Walacor complements these systems by capturing the authoritative historical record of identity state transitions and authorization-relevant events.
This architecture allows teams to leverage best-in-class identity systems for real-time access control, while relying on Walacor as the trust layer that preserves lineage, accountability, and compliance evidence across identity-driven workflows.
Deploy Anywhere, Comply Everywhere
Engineering teams often face data residency requirements:
- EU (GDPR)
- U.S. (BSA / FinCEN)
- UK (FCA)
- Singapore (MAS)
- Australia (AUSTRAC)
- Middle East (SAMA, CBUAE)
Walacor supports multi-node, multi-region clusters that can isolate data physically while preserving consistent logic and shared tooling. This makes it possible to run a global KYC engine with regionally compliant storage and jurisdiction-specific controls, without maintaining multiple codebases.
Why Technologists Choose Walacor for KYC/KYB Systems
- A predictable and durable data layer: No silent mutations. No corrupted histories. Every change recorded and provable.
- Zero redesign needed for audits: Auditors can reconstruct every verification event out of the box.
- Clear lineage across the entire workflow: Documents → checks → manual review → decision → later screening events.
- High-trust document and data integrity: Cryptographic proofs for every file, record, and decision.
- Drop-in compatibility with modern architectures: RESTful APIs, envelope-based ingestion, schema-first patterns.
- Enterprise-ready access control: With immutable administrative logs.
- Scalable across jurisdictions and partners: Without replatforming.
For engineering leaders, Walacor becomes an architectural backbone, a trust layer underneath the KYC/KYB engine that ensures your platform is always provable, always auditable, and always compliant.
