nCino Identity Solutions
Product sources reviewedIdentity not reviewednCino Identity Solutions is the current name of the former FullCircl compliance and W2 identity technology. nCino launched it in October 2025 as a standalone compliance offering for regulated businesses.
nCino Identity, KYC, KYB and AML Orchestration
Multi ProductMixedAvailability: StandalonenCino Identity Solutions is the current name of the former FullCircl compliance and W2 identity technology. nCino launched it in October 2025 as a standalone compliance offering for regulated businesses.
The current product combines consumer identity and KYC, document and facial verification, age checks, KYB, PEP and sanctions screening, adverse-media checks, ongoing list monitoring, configurable bundles, case workflows, and reporting through API and no-code routes.
nCino owns the orchestration, workflow, portal, and API layer, but many identity, credit, registry, document, and financial-crime results come from external sources. More than 400 services, 30-plus global data sources, and 20-plus data suppliers are separate vendor-reported units and must not be collapsed into a count of owned datasets.
Integration: The current platform supports a REST API, configured service bundles, a no-code web platform, CRM routes, a document-verification SDK, and white-label delivery. The active developer portal and several service names still use W2 domains and codes after the nCino rebrand. Public sources do not identify one universal contracting entity, rate card, implementation schedule, or default supplier stack.
- Current Product Identity
FullCircl's compliance and verification technology was relaunched as the standalone nCino Identity Solutions offering on October 6, 2025
Current product and brand identity
- Vendor Reported2026-07-11
- Acquisition History
nCino acquired the outstanding equity interests of Artesian Solutions Limited, identified in its filing as FullCircl, on November 5, 2024
Corporate acquisition history
- Independently Checked2026-07-11
- Legacy Entity Status
Companies House currently records both W2 Global Data Solutions Limited and FullCircl Limited as in liquidation
The two named UK companies only · Neither legacy company is assigned as the current product's legal name. FullCircl Limited is also distinct from Artesian Solutions Limited in nCino's acquisition filing.
- Independently Checked2026-07-11
- Contracting Identity
No single current customer-contracting entity for every nCino Identity Solutions deployment was identified in the reviewed public materials
Contracting and invoicing entity · The signed proposal, order, DPA, and invoice must name the counterparty; do not infer it from the product brand or legacy API domain.
- Unresolved2026-07-11
- Orchestration Boundary
nCino supplies the API, bundle, workflow, portal, monitoring-alert, and case layer while selected checks use external public and commercial data providers
Current public product architecture
- Vendor Reported2026-07-11
- Catalog Metrics
Current pages separately state 400-plus identity-verification services, 30-plus global data sources, and 20-plus data suppliers
Vendor-reported catalog metrics with different denominators · Do not present these figures as equivalent or as a count of sources owned by nCino.
- Vendor Reported2026-07-11
- Gambling Applicability
The current nCino Identity Solutions site has a dedicated gambling page covering identity, AML, age, and player financial-risk use cases
Current gambling-sector applicability, not regulator approval
- Vendor Reported2026-07-11
- Testimonial Boundary
The current Entain and Novibet endorsements are explicitly labeled as FullCircl testimonials from before nCino's acquisition
Public testimonial dating only · Do not describe either company as a confirmed current nCino Identity Solutions customer without newer evidence.
- Independently Checked2026-07-11
- Transaction Monitoring Boundary
Current public AML and developer materials document onboarding screening, ongoing list re-screening, monitoring alerts, cases, and reporting but do not document ingestion and rules for player financial transactions or SAR filing
Reviewed current public product documentation · Do not turn generic AML-program references to transaction monitoring into a verified native product capability.
- Unresolved2026-07-11
- Commercial Boundary
No public current rate card or standard production implementation time was found
Public commercial materials only
- Unresolved2026-07-11
Delivery options
The operator calls configured bundles through the KYC Check API and receives service and bundle results from the selected identity, screening, document, company, age, and fraud services.
- Operator license
- Operator
- Merchant of record
- Unknown
- Player data controller
- Unknown
Included
- + Configured identity, KYC, AML, KYB, document, age, and related verification services
- + Bundle sequencing, interpretation, halting, failover, and waterfall rules selected for the deployment
- + Sandbox records and documented API responses
- + Monitoring alerts and case endpoints where contracted and configured
Not included
- ! The operator's gambling license and final customer-acceptance or compliance decision
- ! Ownership of external credit, registry, identity, document, and screening data
- ! Native player-transaction ingestion and transaction-monitoring rules not documented in the reviewed current product scope
- ! SAR or other regulator-filing submission
- ! The separate gambling financial-risk and affordability module
- ! Universal market coverage, price, supplier stack, or implementation time
A no-code platform route for ad hoc checks, workflow execution, case review, audit history, monitoring, and selected company-intelligence functions without a customer-built front end.
- Operator license
- Operator
- Merchant of record
- Unknown
- Player data controller
- Unknown
Included
- + Access to the contracted nCino Identity Solutions platform
- + Configured verification services and workflows
- + Case history, audit trail, results review, and exports documented for the selected use case
Not included
- ! Uncontracted external services or data sources
- ! Automatic regulatory sufficiency in any gambling market
- ! A universal contracting company, price, storage model, or service level
- + Current public pages and developer documentation expose the product categories, API bundle logic, no-code route, case endpoints, and monitoring-alert structure.
- + The data-provider page makes the external-source boundary visible instead of implying that nCino owns every result.
- + The current gambling page verifies sector applicability and labels its inherited testimonials as pre-acquisition endorsements.
- ! Confirm the customer-contracting, invoicing, and data-processing entities. The product brand, parent, legacy W2 domain, W2 Global Data Solutions Limited, FullCircl Limited, and acquired Artesian Solutions Limited are not interchangeable names.
- ! Treat 400-plus services, 30-plus data sources, and 20-plus suppliers as separate vendor-reported metrics, not as owned-source counts.
- ! Document each external provider, source, permitted purpose, territory, fallback, retention rule, and pass or fail interpretation in the final bundle.
- ! Legacy W2 domains and service codes remain in the current developer path after the nCino rebrand; confirm migration and support terms.
- ! Do not claim native player-transaction monitoring or SAR filing from generic AML language. The reviewed public product detail does not establish either capability.
- ! Do not present the current Entain or Novibet page quotes as proof of a current post-acquisition customer contract.
- ! No public standard price or implementation time was found.
- ! Affordability and player financial-risk checks are modeled separately and do not expand the AML module by implication.
- nCino Identity SolutionsVendorchecked 2026-07-11— October 6, 2025 announcement that FullCircl's compliance and verification technology was relaunched as the standalone nCino Identity Solutions offering.
- nCino Identity SolutionsVendorchecked 2026-07-11— Current product overview for consumer verification, corporate verification, AML, fraud prevention, age checks, orchestration, and a single RESTful API providing access to more than 400 services.
- nCino Identity SolutionsVendorchecked 2026-07-11— Current KYC page describing consumer-data checks, failover and waterfall workflows, custom onboarding, 20-plus data sources, 30-plus data providers, and a single API.
- nCino Identity SolutionsVendorchecked 2026-07-11— Current AML page documenting PEP, sanctions and adverse-media screening, ongoing re-screening, case management, and reporting. It does not document transaction ingestion rules or regulatory filing submission.
- nCino Identity SolutionsVendorchecked 2026-07-11— Current integration page covering API bundles, configurable workflows, case management, a no-code platform, CRM integration, document-verification SDK, and white-label delivery. It separately states access to hundreds of services and 20-plus data suppliers.
- nCino Identity SolutionsVendorchecked 2026-07-11— Current data-provider page describing nCino as data agnostic and naming external sources including ComplyAdvantage, Creditsafe, Companies House, and other public and commercial providers.
- nCino Identity Solutions developer documentationVendorchecked 2026-07-11— Current developer portal still hosted on the w2globaldata.com domain. It documents the KYC Check API, bundles, sandbox, case endpoints, document and facial checks, AML services, KYB services, monitoring alerts, and legacy service codes.
- nCino Identity SolutionsVendorchecked 2026-07-11— Current gambling page presenting KYC, AML, identity, fraud, KYB, age, and financial-risk use cases. Entain and Novibet endorsements are explicitly labeled as pre-acquisition FullCircl testimonials.
- nCino, Inc.Filingchecked 2026-07-11— nCino's fiscal 2026 Form 10-K states that it acquired the outstanding equity interests of Artesian Solutions Limited, which it calls FullCircl, on November 5, 2024.
- UK Companies HouseFilingchecked 2026-07-11— Current official record for W2 Global Data Solutions Limited, company 07669978, showing company status Liquidation.
- UK Companies HouseFilingchecked 2026-07-11— Current official record for FullCircl Limited, company 13944944, showing company status Liquidation. This is not the same name as Artesian Solutions Limited in nCino's acquisition filing.
nCino Gambling Financial-Risk and Affordability Indicators
Multi ProductMixedAvailability: StandalonenCino Identity Solutions currently has both a dedicated gambling page and a dedicated Affordability Checks product. This is an active financial-risk indicator workflow, not a historical W2-only offer.
The product combines customer-specific public records, selected third-party application and property data, postcode-level demographic context, derived financial-risk indicators, and self-declared information. nCino supplies the orchestration and workflow layer while underlying data can come from public and commercial external sources.
The result supports an operator's player-risk review. Current public material does not establish that nCino itself sends player interactions, sets limits, pauses accounts, performs self-exclusion, or makes the operator's final responsible-gambling decision.
Great Britain's current SR Code 3.4.4 is a financial vulnerability check requirement, not a generic requirement to calculate personal affordability. The regulator announced staged Financial Risk Assessments in July 2026, but the Stage 1 start date is still pending and nCino's public material is not mapped to the final forthcoming FRA data specification.
Integration: The operator configures selected affordability services and workflow through nCino's API or platform, supplies the required player identifiers or declared fields, and combines returned indicators with everything else it knows and is permitted to use. The operator retains threshold design, review, action, manual-review, and record-keeping duties. Public sources do not provide a standard price, implementation schedule, default data stack, or confirmed mapping to the forthcoming Great Britain Financial Risk Assessment regime.
- Current Product Availability
nCino Identity Solutions currently markets a dedicated gambling financial-risk workflow and a dedicated Affordability Checks product
Current public product availability, not regulator approval
- Vendor Reported2026-07-11
- Published Indicator Tiers
The gambling page separates public-data, third-party-data, and self-declared indicator levels
Published workflow categories; exact fields and sources remain configuration-specific
- Vendor Reported2026-07-11
- Documented API Services
The current developer portal lists Property Insights UK 007, Derogatory FIN UK 007, Geo Affordability UK 007, and Financial Vulnerability UK 005
Published affordability service catalog, not proof that every service is included in one contract
- Independently Checked2026-07-11
- Source Ownership Boundary
nCino supplies a data-agnostic orchestration and workflow layer while affordability signals can use external public and commercial data
Current public product architecture
- Vendor Reported2026-07-11
- Current Great Britain Requirement
SR Code 3.4.4 currently requires a customer-specific public-record financial vulnerability check above GBP 150 net deposits in a rolling 30-day period, followed by operator risk assessment, proportionate action where needed, and a recorded rationale
Great Britain remote licenses within the Code's stated application only · The Code does not designate nCino, require a generic personal-affordability score, or transfer the operator's decision duties to a data provider.
- Regulator Confirmed2026-07-11
- Future Financial Risk Assessments
The UK Gambling Commission announced staged Financial Risk Assessments on July 7, 2026, with Stage 1 thresholds published but the Stage 1 start date still to be confirmed
Future Great Britain Financial Risk Assessment rollout
- Regulator Confirmed2026-07-11
- Future Product Mapping
No current public nCino material maps the product to the final forthcoming Great Britain Financial Risk Assessment data specification or confirms Credit Reference Agency delivery under that regime
Future Great Britain Financial Risk Assessment compatibility · Re-verify the product, provider role, source, output, thresholds, and implementation date after the Commission publishes final operational requirements.
- Unresolved2026-07-11
- Intervention Boundary
Current public material documents indicators, configurable alerts, and operator investigation but not execution of player communication, limits, account action, self-exclusion, or treatment referral
Reviewed current public product scope
- Unresolved2026-07-11
- Testimonial Boundary
The current Entain and Novibet endorsements are explicitly labeled as FullCircl testimonials from before nCino's acquisition
Public testimonial dating only · Do not treat the quotes as proof of a current nCino contract, product configuration, or outcome.
- Independently Checked2026-07-11
- Commercial Boundary
No public current price or standard implementation time was found for the gambling financial-risk product
Public commercial materials only
- Unresolved2026-07-11
Delivery options
A configured nCino bundle returns selected financial-vulnerability and financial-context service results for use in the operator's player-protection workflow.
- Operator license
- Operator
- Merchant of record
- Unknown
- Player data controller
- Unknown
Included
- + Contracted public-record financial-vulnerability checks
- + Selected application, derogatory-financial, geo-affordability, property, mortality, and self-declared indicators
- + Configured bundle rules, thresholds, alerts, and result delivery
- + Case or portal review only where included in the contracted nCino workflow
Not included
- ! The operator's gambling license and customer-interaction accountability
- ! A universal personal disposable-income or loss-of-affordability decision
- ! Ownership of external public, credit, application, demographic, property, or mortality data
- ! Player messaging, limit execution, account pausing, self-exclusion, or treatment referral
- ! Open-banking or document-based review unless separately evidenced and contracted
- ! Automatic compliance with the current SR Code or forthcoming Financial Risk Assessment regime
- ! Universal price, implementation time, data coverage, or intervention outcome
- + The current site exposes three indicator levels and a dedicated affordability product instead of relying on an old W2 launch announcement.
- + The current developer portal names four concrete affordability services and service codes.
- + The model keeps nCino's workflow separate from external source ownership and from the operator's final player-protection decision.
- ! Do not call SR Code 3.4.4 a generic affordability-check rule. It is a defined light-touch financial vulnerability check using customer-specific public records.
- ! Do not claim readiness for the forthcoming Great Britain Financial Risk Assessment regime until the Commission publishes the timetable and operating requirements and nCino maps its product to them.
- ! Postcode-level geo-affordability and derived scores are contextual indicators, not verified individual income, wealth, or disposable-income facts. Test bias, explainability, false positives, and false reassurance.
- ! Identify every third-party source, permitted purpose, refresh cycle, match logic, coverage, fallback, retention rule, and data role in the contract.
- ! The operator remains responsible for assessment, proportionate action, manual-review policy, customer interaction, and the recorded decision rationale.
- ! Current public materials do not verify player messaging, limit enforcement, account action, self-exclusion, treatment referral, open-banking review, or document collection as part of this module.
- ! The Entain and Novibet endorsements are explicitly pre-acquisition FullCircl testimonials, not proof of current deployments.
- ! No public price or standard implementation time was found.
- nCino Identity SolutionsVendorchecked 2026-07-11— October 6, 2025 announcement that FullCircl's compliance technology was relaunched as the standalone nCino Identity Solutions offering.
- nCino Identity SolutionsVendorchecked 2026-07-11— Current gambling page documenting public-data, third-party-data, and self-declared financial-risk indicator levels. Entain and Novibet quotes are explicitly labeled as pre-acquisition FullCircl testimonials.
- nCino Identity SolutionsVendorchecked 2026-07-11— Current dedicated Affordability Checks page covering public insolvency and judgment records, application data, postcode-level geo-affordability, mortality, derogatory-financial scores, property insights, thresholds, and operator investigation.
- nCino Identity SolutionsVendorchecked 2026-07-11— Current integration page describing configurable API bundles, workflow interpretation, case management, a no-code platform, and external supplier access.
- nCino Identity SolutionsVendorchecked 2026-07-11— Current page describes nCino Identity Solutions as a data-agnostic orchestration layer using public and commercial external providers.
- nCino Identity Solutions developer documentationVendorchecked 2026-07-11— Current developer portal lists Property Insights UK 007, Derogatory FIN UK 007, Geo Affordability UK 007, and Financial Vulnerability UK 005 while retaining W2 domains and service codes.
- UK Gambling CommissionRegulatorchecked 2026-07-11— Current SR Code 3.4.4 wording and guidance for light-touch financial vulnerability checks, including the public-record minimum, current threshold, and operator assessment, action, and record duties.
- UK Gambling CommissionRegulatorchecked 2026-07-11— July 7, 2026 announcement of staged Financial Risk Assessments. It publishes Stage 1 and eventual thresholds but says the Stage 1 timetable will be confirmed after implementation-group work.
