A good business applies, gets asked for a register extract, an ID, a bank statement and a signed form, then waits for someone to read them. The fraudulent one has every document ready, because preparing them is their job. Your controls filter for patience, not for legitimacy.
Poros takes a business from application to a decision. Straight-through cases complete without manual document handling, while exceptions arrive as assembled cases for review. The applicant types a company name. Everything after that is retrieved, cross-checked and decided automatically, and the parts that need a human are the parts that actually need one.
Six steps, from a company name to a decision.
Name, register number or VAT number. That is the whole first screen. Every extra field on a first touchpoint costs applicants, and the data is available without asking for it.
Retrieval from trade registers and bureaus across 150+ countries plus all 50 US states. Normalised, cross-checked and timestamped. Directors, ownership, status and history.
Through holding structures until it reaches people, including the structures built to prevent exactly that. The people it finds go through identity and screening in the same case.
A low-risk business in a known market clears. A higher-risk one gets more: enhanced due diligence, bank account verification, a step up in identity assurance. The applicant only meets the friction their own risk earned.
Account ownership is confirmed over open banking, or through Verification of Payee (VOP) where that provides the smoother route.
Directors selected to sign are vetted for signing authority and identified to AML standard. Where identification is by eID or QES at qualified level, the same identity signs the agreement itself.
No register date. A non-standard entity. A company that exists in a form the template did not anticipate. A director who is a company. These exceptions are where operations teams spend their review effort.
Poros has a fallback for each rather than a failure. Missing register field, ask for the one document that supplies it. Unusual entity, route it to a template that expects one. What cannot be resolved goes to a person with the case assembled, not to a person with an inbox.
The question to ask is what happens to the exceptions.
Your systems act on the result with no human involved.
An assembled case: the structure, the sources, the timestamps, what changed, and a dossier that can go to a regulator without anyone building it first.
A merchant verified today is a claim with a shelf life. Register changes, sanctions, adverse media, on the company and on the people behind it.
Authoritative documents and register data are translated instantly and at high quality from the native register language, so the original evidence can stay authoritative without becoming an analyst's translation task.
MCC classification is included. Poros asks what the business actually does and uses the answer to support the merchant-category decision, without making classification the headline capability.
Merchant onboarding platforms often coordinate work. Poros reduces that work by retrieving authoritative data directly and assembling the evidence in one case.
The difference shows in where the data comes from. Coordinating a process still means someone reads a document. Retrieving directly from the register, timestamped, means the document was never in the flow, and neither was the person reading it.
Poros is an origination product with its own API and its own back office. Build the journey yourself against the API, or use the interface as it comes.
Inside UmbrellaID it shares the audit chain with identity, signing and monitoring, which is what makes the merchant, the directors and the contract one case instead of three.
Runs inside UmbrellaID. Works without it.
Bring the last ten merchants you onboarded. We will tell you which ones this would have cleared without a human, and which ones it would have stopped.