Sumsub has joined forces with Jelou AI, a provider of infrastructure for building AI agents, to embed identity checks directly into financial services onboarding that begins on WhatsApp.
Under the arrangement, Sumsub’s verification technology will be combined with Jelou’s agent-building infrastructure, which links AI agents to a company’s internal systems and business rules. The aim is to turn a chat into the starting point of a financial relationship. The AI agent handles the customer’s request, triggers the verification step and then uses the result to decide what happens next, following the criteria set by each institution.
Linking these steps gives financial services providers a way to merge conversational engagement and identity checks into one continuous journey. The verification result supplies data that can either push an application forward or flag it for further scrutiny, while the AI agent manages the subsequent actions.
The two firms plan to explore several use cases, including onboarding for remittances, money transfers and online payments. In each scenario, the goal is to tie a customer’s first request to the verification needed before they can proceed.
Jelou supplies the technology that lets AI agents work with enterprise systems, data and tools. Sumsub brings its identity verification capabilities, which sit within a wider platform covering individual and business verification, fraud prevention, ongoing monitoring and risk management.
The partnership targets a particular challenge in conversational financial services: balancing the convenience of starting an application through a chat with the controls institutions need before taking on a new customer. The companies will concentrate on joining these stages together in a way that reflects the processes and requirements of each institution.
Sumsub country manager for Mexico Miguel González said, “When a financial application begins with a conversation, identity verification should be part of that journey and provide information to determine how to proceed. Our partnership with Jelou aims to connect verification with the processes guided by its AI agents, in line with each institution’s rules. We want to help companies develop new ways to onboard customers through WhatsApp, combining identity controls with a straightforward user experience.”
Jelou AI CEO and co-founder Luis Loaiza said, “AI agents are becoming a new way to access financial services, powered by infrastructure that connects them to each institution’s systems and controls. Identity verification is already part of that infrastructure. With Sumsub, we’re expanding the options companies have to connect identity and onboarding within the same journey, with the goal of optimizing costs and generating a return on their investment in AI.”
Copyright © 2026 RegTech Analyst
Copyright © 2026 RegTech Analyst
