From account opening to the financing contract — with an authenticated identity and legal standing that cannot be denied.
Banks, finance companies, microfinance institutions and buy-now-pay-later platforms run an enormous volume of transactions under strict regulatory oversight. Wthaiq brings it all together in a single flow integrated with your systems: identity verification at account opening — the highest the platform provides by itself (AES) — plus support for qualified signing (QES) using the client's own token and certificate from a licensed certification authority for high-value finance contracts, and permanent legal standing.
Identity verification is an optional service you choose when sending, billed for each signer it is requested for, separately from your plan.
Huge volumes, no room for a legal mistake.
In the finance sector, it is not enough for the customer to sign; you have to prove their identity, your contracts have to withstand any challenge, and you have to keep a full regulatory trail of every step. Paper tools and basic signatures leave gaps in legal standing and compliance that cost finance institutions dearly.
Opening an account without an authenticated identity
Every new account requires know-your-customer procedures and simultaneous signatures. Separating verification from signing slows activation and opens the door to impersonation and document tampering.
High-value contracts open to challenge
Financing, guarantee and surety contracts move large sums. Any weakness in proving the signer or the integrity of the copy leaves the obligation open to denial before the courts and regulators.
Strict oversight without a complete audit trail
Regulators demand precise tracking of every signature and approval. Without a single timestamped audit trail and a completion certificate for each contract, any regulatory review turns into a heavy operational burden.
One system that connects identity with signature and legal standing.
From the account opening form through to the signed and archived financing contract — every document in the sector passes through the right layer of verification, signing and authentication.
Identity verification inside account opening
Identity verification (KYC) is built into the account opening flow itself: the customer verifies their identity with an official document and a live face match before they sign, so every signature is tied to a verified person, not merely to a name typed into a form. When sending, you decide which signers are asked to do so.
Qualified QES signing with the client's own token
For high-value finance, loan and guarantee contracts, the authorized signatories sign with a qualified electronic signature using a token they hold themselves, carrying a certificate from a licensed certification authority they deal with directly — we do not issue that certificate; our role is to embed the signature in the file and preserve it. The highest we offer by ourselves is the advanced signature (AES) with identity verification.
PAdES standing up to LTA level with a token
Contracts signed with a token are sealed in PAdES format up to long-term archiving level (LTA), with timestamps and embedded revocation data, so the validity of the signature stays provable for many years after signing.
An audit trail and a completion certificate
We log every event with its time: opening the contract, verification, signing, and delivery. Each contract gets a signed certificate of completion and a digital fingerprint (HMAC-SHA256 for platform contracts, SHA-256 for uploaded PDFs) that reveals any later modification, so you have a complete evidence file ready for any regulatory review.
Enterprise-grade security
Data encrypted in transit with TLS 1.2+, a digital fingerprint for every document (HMAC-SHA256 for platform contracts, SHA-256 for uploaded PDFs), fine-grained role-based permissions, and isolation of your organization's data. The system is built to meet the security and compliance requirements of the most sensitive financial environments.
API integration with your banking systems
Trigger signing and identity verification straight from your core banking system or lending platform through the API and webhooks, so Wthaiq works quietly behind your flows without switching screens.
Value measured in trust not on paper.
Four steps from new client into a binding contract.
One connected flow that starts at account opening and ends with a financing contract signed and archived with verifiable evidence.
Account opening
The customer completes the account opening form digitally, along with the required know-your-customer details, in a single flow.
Identity verification
When you request it at the time of sending, the client verifies their identity with an official document and a live face match, so every step that follows is tied to a verified person.
Signing the financing contract
The contract is signed with identity verification (AES), or with a qualified QES signature using the client's own token for high-value contracts.
Legal standing and archiving
The contract is sealed with a signing record, a completion certificate and a full audit trail, and in PAdES format up to LTA for anyone who signs with a token, then stored ready for any review.
Built for legal standing and banking compliance.
Six pillars that make Wthaiq the trusted choice for finance institutions that can afford no legal or regulatory gap.
Identity verification
Know-your-customer verification with an official document and live face matching ties every signature to a confirmed real person, cutting impersonation and fraud risk from the very first moment. This applies to every signer you ask to verify their identity when sending.
Qualified QES signing with the client's own token
A qualified electronic signature using a token the client holds, carrying a certificate from a licensed certification authority they deal with directly — we do not issue it. The highest degree of legal standing, meant for finance and guarantee contracts that cannot tolerate any repudiation.
PAdES up to LTA with a token
Token signatures in PAdES-LTA format embed trusted timestamps and revocation data, keeping the signature verifiable for many years, even after the original certificates have expired.
A complete audit trail
One unified timeline for every event in a contract's life, with a signed completion certificate and a cryptographic fingerprint — instant readiness for any regulatory review or court dispute.
Enterprise security
A TLS-encrypted connection, fine-grained roles and permissions, and separation of each account's data. A security architecture built to meet the highest requirements of the financial sector.
API integration
An API and webhooks embed signing and identity verification into your core banking system or lending platform, so everything runs inside your existing flows with no friction.
What they ask about Finance leaders.
We build identity verification into the account-opening journey itself, with no separate screens. The customer authenticates their official document and completes a live face match before signing. And we attach the verification report to the contract, so every later signature is tied to a confirmed person, not just data typed into a form.
A qualified signature is the highest level of legal standing for an electronic signature, and it is created with a token the signer holds themselves, carrying a digital certificate from a licensed certification authority they deal with directly — we do not issue it; we embed their signature in the file and preserve it. The highest we offer by ourselves is the advanced signature (AES) with identity verification.
PAdES is the signing standard for PDF documents, and LTA is its highest level for long-term archiving. When signing with a token, the contract embeds trusted timestamps and revocation data, so the validity of the signature remains verifiable for many years, even after the original certificates have expired.
Every event is time-logged: account opening, identity verification, signing, and delivery, with a digital fingerprint (HMAC-SHA256 for platform contracts, SHA-256 for uploaded PDFs) that reveals any later modification. Each contract gets a signed certificate of completion, giving you a complete evidence file ready for any regulatory review or legal dispute.
Yes. Through the API and webhooks you trigger signing and identity verification directly from your core banking system or lending platform. And you receive live notifications of every contract's status. So the system runs behind your existing flows without changing the experience for your teams or your customers.
Data is encrypted in transit with TLS 1.2+, every document has a digital fingerprint (HMAC-SHA256 for platform contracts, SHA-256 for uploaded PDFs) that reveals any modification, permissions are set by role, and each organization's data is isolated. We do not claim encryption at rest. Verification data is used only to prove identity for the contract.
Turn every financing contract into an obligation that cannot be denied.
Start by linking identity, signature and legal standing in a single flow — from account opening through to long-term archiving. Our team is ready to design the right integration for your organization.