Decision-Making System

Crassula's Decision-Making System offers a comprehensive solution designed to streamline client verification and account opening processes in financial services. This advanced system integrates client scoring, transaction monitoring, and profile screening, providing a robust and efficient approach to client verification. Enhance your customer onboarding with 3-party integration.

  • Verification workflows
  • Client tags and routing
  • Account-opening decisions
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Decision-Making System

Connect the checks. Keep control of the decision.

Define how identity verification, questionnaires and risk scoring inform your onboarding policy.

Decision-making flow

Bring verification and risk inputs into one policy.

Create customer profiles and share the relevant applicant information with the verification provider. Combine identity checks and questionnaire information with risk-scoring inputs before the fintech makes its onboarding decision.

  • Profile creation and data sharing
  • Document verification by Sumsub
  • Risk scoring by Huntli
Related connectorsSumsub
Onboarding policy - product configuration
From first impression to first account

A clearer path from sign-up to first account.

Make onboarding feel like the beginning of your banking relationship. Show customers where they are in the journey, while your fintech stays in control of verification, review and account opening.

  • A clear customer onboarding journey
  • The final decision stays with your fintech
A customer completing a mobile journey at home.
Custom tags and rules

Make your rules respond to your customer segments.

Define custom client tags and the rules that apply to each segment. Use provider-side workflows to route additional checks and reviews where your onboarding policy requires them.

  • Custom client tagging
  • Provider-specific processing rules
  • Additional checks and review routes
Tag-based onboarding rules - product configuration
Final decision by the fintech

Make account opening follow your approval policy.

Use verification and scoring results in the back office to make the final onboarding decision. Set account provisioning to follow the approval policy defined for your business.

  • Review responsibility stays with the fintech
  • Account provisioning after approval
  • Clear customer verification outcomes
Related connectorsSumsub
Final-decision policy - product configuration
Crassula Connectors

Connect identity and screening services.

Bring the relevant verification and risk information into your onboarding process.

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Built for developers

Connect your journey to the account decision.

Use the account status returned by the Banking API to reflect where an account stands. Keep your customer journey aligned with the opening and approval process configured for your fintech.

  • Retrieve the current account status
  • Read any operations prohibited on that account
  • Reflect the outcome in your own customer journey
Explore the API docs
GET/api/clients/{clientId}/accounts/{accountId}
Node.js · native fetch
// Retrieve the account status
const baseUrl = process.env.CRASSULA_BASE_URL;
const apiKey = process.env.CRASSULA_API_KEY;
const clientId = process.env.CRASSULA_CLIENT_ID;
const accountId = process.env.CRASSULA_ACCOUNT_ID;

const path = `/api/clients/${encodeURIComponent(clientId)}/accounts/${encodeURIComponent(accountId)}`;
const response = await fetch(`${baseUrl}${path}`, {
  method: 'GET',
  headers: {
    Authorization: apiKey,
  },
});

if (!response.ok) throw new Error(`HTTP ${response.status}`);
const data = await response.json();
Case Studies

See what teams build with Crassula.

A closer look

Plan the details of your product.

Who makes the final onboarding decision?

The fintech uses the verification and risk information to make its final decision in line with its own policy. A successful provider check is an input to that process.

Can different segments follow different rules?

Custom tags and configured provider workflows can support different checks for different customer segments. Define these requirements for the product and the customer segment.

Is account provisioning the same as identity verification?

No. Verification, risk review, the onboarding decision and account provisioning are separate stages. The customer experience should reflect the stage actually reached.

Decision-Making System

Design your onboarding decision flow.

Explore identity integrations, risk inputs and the account-opening policy behind your customer journey.

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Decision-Making System - customer app preview
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