One platform for KYC, KYB, sanctions screening, AI risk scoring, and ongoing monitoring. Built for UAE regulations. Deployed in weeks, not months.
AED 50,000 to AED 5 million per violation under Federal Decree-Law No. 10/2025. Fines are per violation, not per entity. A single audit finding can generate multiple violations.
Regulators can suspend or revoke commercial licences for persistent non-compliance. For a business processing AED 100M+ in annual transactions, a single month of suspension costs more than a decade of Kashara subscriptions.
Officers and compliance personnel face personal criminal liability under the new AML/CFT framework. The UAE has prosecuted individuals for AML failures.
UAE banks are increasingly conducting due diligence on their corporate clients’ own compliance practices. Businesses that cannot demonstrate a functioning KYC/AML programme risk de-banking.
| Cost Category | Manual Process | With Kashara |
|---|---|---|
| Staff time per verification | 45 to 90 minutes (document collection, screening, data entry, filing) | Under 5 minutes (send link, auto-verified, auto-scored) |
| Sanctions screening | Manual name checks against PDF lists, often weekly or monthly | Real-time automated screening against 6+ global lists, daily re-screening |
| REAR / STR reports | 2 to 4 hours per report (manual data compilation, formatting) | Auto-generated in seconds from verified data already in the system |
| Audit preparation | 40+ hours per audit cycle (gathering records, compiling evidence) | Complete audit trail exported with one click, always current |
| Ongoing monitoring | Sporadic or non-existent. Typically only at onboarding. | Automated daily re-screening, event-driven alerts, periodic re-verification |
| Data security | ID copies in email threads, shared drives, filing cabinets | AES-256 encrypted database, UAE data residency, role-based access |
Modelled on a mid-size UAE enterprise deploying Kashara Business at AED 17,988 per year (AED 1,499 x 12 months (Business tier)).
Not an API you have to build around. Not a consultant who hands you a PDF. The operational platform that compliance officers use every day.
Global compliance platforms were built for European KYC under PSD2 and GDPR. They bolt on UAE support as an aftermarket feature. Kashara was architected from the ground up for UAE Federal Decree-Laws, Emirates ID NFC verification, Arabic document OCR, goAML reporting schemas, and MoE DNFBP guidelines. Every workflow, every risk model, every report template reflects how UAE businesses actually operate.
Identity verification providers sell an API. You call it, you get a pass/fail, you build everything else yourself. Kashara is the entire operational layer. Send a verification link, get a risk-scored profile, monitor it continuously, generate regulatory reports, and export a complete audit trail. No development required.
Most compliance tools are either horizontal (one-size-fits-all) or vertical (built for one industry). Kashara uses a universal compliance engine with configurable industry add-ons. A real estate agency gets REAR auto-generation. A procurement team gets vendor risk scorecards. A law firm gets matter-linked KYC. Same engine, different expression.
Kashara does not produce a pass/fail binary or a score without context. The AI risk engine evaluates jurisdiction, transaction type, corporate complexity, sanctions proximity, source-of-funds clarity, adverse media, and historical behaviour. It generates a natural-language narrative explaining the assessment. Compliance officers can read, understand, and defend the score to auditors.
For regulated DNFBPs, Kashara auto-generates goAML-compatible Suspicious Transaction Reports and Real Estate Activity Reports from data already in the system. When a transaction exceeds AED 55,000, the REAR is pre-filled. Manual report preparation that used to take hours is reduced to review and submit.
Most verification providers treat monitoring as optional. Kashara includes daily automated re-screening against updated sanctions lists, periodic re-verification based on risk level, event-driven triggers for document expiry and adverse media, and an alert management dashboard. Compliance is a continuous process, not a one-time check.
Every verification, screening result, risk assessment, decision, and report is logged with timestamps, user attribution, and document hashes. When auditors or regulators ask for evidence, Kashara exports the full trail in seconds. Five years of records, instantly accessible.
Generate a branded URL. Send it via WhatsApp, email, or SMS. The counterparty scans their Emirates ID, takes a selfie, and uploads documents on a single branded page. Results flow back via webhook. Zero development per verification. Zero friction for the counterparty.
| Capability | ID Verification APIs | AML Consultants | Global Platforms | Kashara |
|---|---|---|---|---|
| Examples | uqudo, Sumsub, Veriff | Crowe, Deloitte, boutique UAE firms | ComplyAdvantage, Refinitiv | |
| What they sell | API/SDK for identity checks | Policy documents, audits, training | Data feeds, screening APIs | Operational compliance platform |
| Workflow | None. You build it. | Manual / paper-based | Generic, requires configuration | Pre-built, configurable per UAE industry |
| UAE regulations | Limited | Strong knowledge, manual execution | Bolt-on. Built for EU/US first. | Built for UAE Federal Decree-Laws |
| goAML reporting | Not included | Prepared manually | Rare | Auto-generated STR and REAR |
| Risk scoring | Basic pass/fail | Manual assessment | Score without local context | AI-powered with narrative |
| Ongoing monitoring | Optional add-on | Periodic manual review | Available, priced separately | Included. Daily + alerts. |
| Emirates ID NFC | uqudo yes. Others no. | N/A | Rare | Yes, via uqudo SDK |
| Industry add-ons | N/A | N/A | Financial sector only | Real estate, procurement, professional services |
| Pricing | Per-API-call | Project/retainer fees | Enterprise licence (high five/six figures) | AED 499 to 1,499/mo + per-transaction |
| Time to value | Weeks to months (dev required) | Months (policy + implementation) | Months (procurement + integration) | Same day. No development required. |
No custom development. No multi-month integration project. Compliance infrastructure at the speed businesses actually need it.
Map current compliance processes, document requirements, and risk factors. Identify integration points.
Configure industry add-on, risk model weightings, document checklists, user roles, and branding.
Run 20 to 50 live verifications. Validate workflows, review risk scores, test reporting.
Full production rollout. Staff training. Monitoring dashboard activated.
Join UAE enterprises building compliance infrastructure that protects their operations, their reputation, and their growth. Payback in under two months.