| What you are actually buying | An orchestration layer: one API that routes verifications across 5+ Indonesian providers with fallback logic and cost optimisation, returning one unified result. | A single Indonesian provider — digital signature and consumer identity verification as its published core. | A single Indonesian provider — AI-based verification (KTP OCR, liveness, face match, phone verification) as its published core. | A single Indonesian provider — digital identity and certificate-backed verification as its published core. | A raw government data channel. Everything above it — liveness, KYB, scoring, case handling — you build. |
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| Individual verification | KTP document capture with field-level extraction, plus passive and active anti-spoofing liveness for facial verification. Live Dukcapil population-registry verification is not enabled yet — the interface is built, the registry connection is not. | Consumer identity verification is core to the product; confirm the current check list with the vendor. | Consumer identity verification is core to the product; confirm the current check list with the vendor. | Consumer identity verification is core to the product; confirm the current check list with the vendor. | Population-data matching only. Liveness and face match are not part of it. |
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| Business (KYB) verification | Built in: Kemenkumham, NPWP, and SIUP validation, alongside the individual checks, through the same API. | Business coverage varies by product line — confirm with the vendor. | Business coverage varies by product line — confirm with the vendor. | Business coverage varies by product line — confirm with the vendor. | Out of scope — Dukcapil is population data, not company registry data. |
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| What happens when a provider goes down | The orchestrator reroutes to another provider under rules you set. A provider outage is a routing event, not an onboarding outage. | Your onboarding funnel stops until the provider recovers. | Your onboarding funnel stops until the provider recovers. | Your onboarding funnel stops until the provider recovers. | Your onboarding funnel stops until the government endpoint recovers. |
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| Decisioning and case handling | A composite risk score combining multiple data sources into one signal, delivered by webhook, with a case-management dashboard for review. | Verification results; decisioning and case management are yours to build or buy. | Verification results; decisioning and case management are yours to build or buy. | Verification results; decisioning and case management are yours to build or buy. | A raw match response. Everything else is yours. |
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| Regulatory framing | Mapped to OJK Prinsip Mengenal Nasabah (PMN), PPATK CDD and EDD obligations, and BI payment-account-holder verification. | Indonesian provider operating under Indonesian regulation; mapping onto your own OJK obligations stays your work. | Indonesian provider operating under Indonesian regulation; mapping onto your own OJK obligations stays your work. | Indonesian provider operating under Indonesian regulation; mapping onto your own OJK obligations stays your work. | Access is granted under a cooperation agreement with the government — eligibility, not a purchase decision. |
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| How you get access | A commercial contract and an API key. Provider relationships sit behind the orchestrator. | Vendor contract and onboarding. | Vendor contract and onboarding. | Vendor contract and onboarding. | An institutional cooperation agreement (PKS) with Ditjen Dukcapil, subject to eligibility as a qualifying institution. Months, not days — and you still build the stack on top. |
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| Deployment and residency | SaaS or on-premise inside your own infrastructure — including restricted-egress and air-gapped environments. Self-hosted means identity records never leave your environment. | SaaS. | SaaS. | SaaS. | A government endpoint you call from your own infrastructure. |
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| Pricing model | Flat monthly platform fee: Rp 1.500.000/mo Starter, Rp 5.500.000/mo Growth. On-premise: contact us. Underlying provider pass-through terms on request. | Per-verification / per-transaction commercial terms, quoted by the vendor. | Per-API-call commercial terms, quoted by the vendor. | Per-verification commercial terms, quoted by the vendor. | No licence to buy — you pay in contracting time, integration engineering, and everything you have to build above it. |
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