Introduction
Noah provides modern payments infrastructure engineered for real-time global money movement. Businesses rely on Noah for instant stablecoin settlement, USD and EUR virtual accounts, and compliant cross-border payouts across more than 70 currencies. As Noah expanded across the US, Canada, and the EU, its onboarding flows needed to scale with the same reliability and speed as its payment rails.
To achieve this, Noah partnered with Sumsub, the global verification platform trusted by more than 2,000 financial institutions. The collaboration created a single, unified stack where Sumsub powers verification, screening, and ongoing compliance, while Noah handles global payment orchestration and settlement.
"As our volume grew, we needed a verification engine that could keep pace," Evelina Hoque, Chief Compliance Officer at Noah, shared. "Sumsub matched the speed we needed, while raising our compliance and fraud standards across every market."
The Challenge
Before integrating Sumsub, Noah and its clients faced onboarding flows that were slow and inconsistent. Identity verification required manual reviews, document checks were prone to errors, and the system struggled with the wide variety of ID types needed across multiple jurisdictions. Users often dropped off during the verification step, creating friction at the point of activation.
This operational drag had a business impact. Manual workload increased, onboarding times stretched beyond what modern users expect, and scaling into new markets required repeated adjustments to compliance workflows. One mutual fintech client noted that "the identity step was the biggest reason users abandoned onboarding. It was simply too slow."
The need was clear. Noah required an automated, global, and reliable verification solution that could handle the complexity of multiple regulated entities while providing a smooth user experience.
The Integration Solution
The partnership between Noah and Sumsub began when Noah observed how widely Sumsub was used across financial services. From the first conversation, it was evident that Sumsub could improve accuracy, speed, and compliance while dramatically reducing operational strain.
Noah now uses Sumsub across its entire onboarding and compliance stack, including KYC, KYB, liveness, document verification, sanctions and PEP screening, adverse media checks, transaction monitoring, and Travel Rule enforcement. Using Sumsub’s Workflow Builder, Noah tailors flows for each of its licensed entities in Canada, the US, and Lithuania, meeting specific AML and CTF requirements without sacrificing user experience.
"Sumsub gave us the flexibility to stay compliant across three jurisdictions without building three separate onboarding systems," Noah explained. "The workflow engine and analytics have been game changers."
Thomas Taraniuk, Head of Partnership UK/Europe at Sumsub added, "Noah was scaling fast and needed verification that could scale with them. Our goal was to provide speed, accuracy, and compliance reliability in one place - making an operational constraint into something that actively enables Noah’s business model"
This unified stack ensures that verification is automated, fraud detection is AI driven, and high risk users are instantly routed into enhanced due diligence. It also keeps Noah consistently audit ready, with complete logs and continuous monitoring.
Reusable KYC
A Shared Identity Layer That Transforms User Experience
One of the most impactful elements of the Sumsub x Noah partnership is Reusable KYC. This feature allows users who have already completed verification with any Sumsub powered service to onboard with Noah in just a few clicks. Instead of submitting documents again or repeating liveness checks, users simply provide consent, and their previously verified identity is securely shared with Noah.
For users, this removes the single biggest friction point in onboarding. For Noah clients, it directly reduces drop-off, increases activation, and lowers the cost per verified user.
"Reusable KYC has become a growth feature, not just a compliance feature," Nikrad Nassiri, Head of Product and Delivery, said. "The reduction in friction is immediately visible in every onboarding funnel."
Internal data shows that nearly half of Noah’s enterprise prospects already ask for reusable KYC due to its conversion impact. Based on Sumsub ecosystem patterns, reusable profiles can reduce time-to-verify by up to 70 percent and lower abandonment by an estimated 25 to 35 percent compared to full repeat KYC flows. For Noah’s customers, this translates into smoother onboarding, faster time to value, and fewer user frustrations.
Lemoncash, a wallet operator using Noah described the change: "The moment reusable KYC went live, our onboarding funnel changed. Users stopped abandoning the process at the identity step. For us, this was the breakthrough."
Crucially, compliance remains intact. Noah still performs risk based assessments, including fresh sanctions and PEP screening, while benefiting from the efficiency of shared verification data. Users get the convenience of not repeating verification, and Noah maintains full regulatory oversight.
Reusable KYC is now one of the strongest combined value propositions of the Sumsub x Noah stack: a shared identity layer that keeps onboarding fast, secure, and global.
Results and Impact
The impact of the Sumsub x Noah integration has been substantial.
Drop-off rates fell by 56 percent. Success rates for completed and approved onboardings increased by more than 220 percent year over year. Completed KYCs rose by 165 percent, while monthly capacity nearly doubled due to automation and workflow improvements.
Onboarding time dropped from 8.4 minutes to 3.1 minutes, a 63 percent improvement. Auto-approval rates increased by 60% percent, reducing manual workload and speeding up activation further. Document errors fell from 18 percent to 7 percent, and screening reviews became more than 50 percent faster, thanks to Sumsub’s integration with ComplyAdvantage and the elimination of multi system switching.
“What these results show is not just a faster onboarding flow, but a new standard for how compliance should work at scale. Sumsub helped us transform a major operational bottleneck into one of Noah’s core advantages” Shah Ramezani, CEO & Founder, Noah.
For Noah, this meant faster deal cycles, stronger compliance posture across all entities, and a more efficient operation that could support higher user volumes and new product launches. For clients, it meant a smoother, more reliable onboarding journey with fewer delays and fewer failed submissions.
For Sumsub, the partnership with Noah became a proving ground for high-velocity, multi-jurisdiction onboarding. The collaboration gave sharper product insight, validated the ability to support complex regulated entities, and expanded the reach of Sumsub’s reusable KYC ecosystem through Noah’s clients.
Client Impact
Noah’s clients immediately felt the difference. Users were activated faster, onboarding became predictable and intuitive, and support tickets related to verification dropped significantly. Lemoncash, a LATAM-focused wallet provider, shared that "the onboarding step used to be our biggest barrier. With Noah and Sumsub, that barrier is gone."
Reusable KYC amplified this effect, especially for platforms where users interact with multiple services in the Sumsub ecosystem. The shared identity layer accelerated onboarding not just the first time, but every time thereafter.
For many Noah clients, verification went from being a blocker to being a competitive advantage.
What the future holds for Noah/Sumsub
Looking ahead, Sumsub and Noah see Reusable KYC evolving from a powerful feature into a shared identity network that underpins the next generation of financial services.
As more exchanges, wallets, card programmes, and fintech platforms adopt Sumsub, the pool of everyday users with reusable, verified profiles continues to grow. For Noah and its clients, this means higher rates of conversion, shorter onboarding flows, and the ability to launch into new markets with a ready-made base of pre-verified users.
Steering towards the compliance side; the roadmap will focus even deeper on automation and smarter risk decisioning. Dynamic, risk-based flows will add friction only when it’s necessary, combining reusable profiles with fresh sanctions and PEP screenings, device signals, transaction patterns and user behaviour. This will allow Noah to keep fraud and financial crime risk low while making user onboarding feel smooth for legitimate users.
“The Sumsub/Noah partnership is about redefining how identity works across payments. Reusable KYC is just the starting point. We see a future where trusted identity moves seamlessly with the user, compliance will adapt dynamically to risks, and great platforms like Noah can expand globally without rebuilding their compliance stack every time.” - Stephen Mansfield, Reusable Identity Product Leader at Sumsub.
Noah and Sumsub are committed to building Reusable KYC in a way that is fully consent-driven, transparent, and also aligned with evolving AML, CTF and data protection frameworks in every market they operate in. Users will stay in control of where their identity is reused, and institutions gain a reliable, audit-ready trail without having to re-collect the same documents.
Over time, Noah expects Reusable KYC to become a default expectation rather than a nice-to-have, turning identity verification from a cost centre into a growth engine for Global Fintechs.
Conclusion
The Sumsub x Noah partnership created an end-to-end onboarding and compliance engine built for global scale. With automated verification, reusable identity profiles, strong fraud detection, and unified compliance coverage, the combined stack delivers a faster, safer, and more user friendly onboarding experience while keeping regulatory standards high.
Together, Noah and Sumsub help global fintechs launch faster, reduce friction, and operate with confidence in every market they serve.