nCino Identity Solutions

Name: nCino Identity Solutions
Brand: nCino, Inc.

nCino 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.

Page updated August 13, 2026

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Company details

Organization typeproduct

Statusrenamed

ParentnCino, Inc.

Websitewww.identitysolutions.ncino.com

Research checkedJuly 11, 2026

Main categoryiGaming Compliance Providers

W2 and FullCircl are legacy labels for compliance technology now sold as nCino Identity Solutions. nCino acquired Artesian Solutions Limited and relaunched the technology under the new name. UK orders can still name Artesian Solutions Limited, DueDil Limited, or W2 Global Data Solutions Limited. Artesian, W2 Global Data Solutions, and FullCircl Limited are in liquidation, while nCino Global Ltd controls Artesian. A new order must identify the current contracting entity.

Buyer decision brief

Use this summary to decide whether the offer belongs on your shortlist and which terms need a written answer.

iGaming Compliance Providers iGaming AML and KYC Providers iGaming KYC & Identity Verification Providers Responsible Gambling Software Providers

Fit and use case

Editorial fit

Regulated gambling operators that want configurable identity, age, KYC, KYB, document, and AML-screening services behind one orchestration layer and can contract each underlying source, legal entity, market, and decision boundary.

Primary offer: nCino Identity, KYC, KYB and AML Orchestration · 1 additional offer below

Primary offer delivery

API
Software license

Integration boundary: The platform supports a REST API, configured service bundles, a no-code web platform, CRM routes, a document-verification SDK, and white-label delivery.

Critical contract questions

Start with unresolved terms, negotiated terms, and dependencies that need a named owner.

8 of 20

Resolve before shortlist

No usable standard answer is available on the public terms.

Current nCino Identity Solutions contractorUnresolved: nCino Identity, KYC, KYB and AML Orchestration · Contract and supplier
Current financial-risk service contractorUnresolved: nCino Gambling Financial-Risk and Affordability Indicators · Contract and supplier
Bundle-level performance acceptanceNot disclosed: nCino Identity, KYC, KYB and AML Orchestration · Operations and service
Match, bias, and false-result baselineNot disclosed: nCino Gambling Financial-Risk and Affordability Indicators · Operations and service
Bundle, supplier, and usage chargesNot disclosed: nCino Identity, KYC, KYB and AML Orchestration · Commercial terms
Check, supplier, and workflow pricingNot disclosed: nCino Gambling Financial-Risk and Affordability Indicators · Commercial terms
Legacy route and supplier-data exitNot disclosed: nCino Identity, KYC, KYB and AML Orchestration · Exit and portability
Indicator, case, and legacy-route exportNot disclosed: nCino Gambling Financial-Risk and Affordability Indicators · Exit and portability

Next buyer step

Ask nCino Identity Solutions to resolve “Current nCino Identity Solutions contractor” and “Current financial-risk service contractor” before moving nCino Identity, KYC, KYB and AML Orchestration to a commercial shortlist. Then compare the answer with the complete product record below.

Read the full product record Open the category RFP builder

Confirm every selected term in the proposal and signed order. No price, market approval, availability, or contracting entity is implied unless it is stated above.

What this provider offers

2 offerings

OfferingnCino Identity, KYC, KYB and AML Orchestration
TypeAML KYC · Multi Product
Ownership and packagingMixed · Standalone
DeliveryAPI, Software License
Compare in
- iGaming Compliance Providers · Integrator
- iGaming AML and KYC Providers · Integrator
- iGaming KYC & Identity Verification Providers · Integrator
OfferingnCino Gambling Financial-Risk and Affordability Indicators
TypeResponsible Gambling · Multi Product
Ownership and packagingMixed · Standalone
DeliveryAPI
Compare in
- Responsible Gambling Software Providers · Integrator

nCino Identity, KYC, KYB and AML Orchestration

Multi ProductMixedAvailability: Standalone

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. The stated 400-plus services, 30-plus global data sources, and 20-plus data suppliers use different denominators and do not represent owned datasets.

Products

Consumer identity and KYC checks: Configurable identity matching and onboarding workflows using selected regional, credit-reference, public-record, and other external sources.

Document verification and facial comparison: Document and selfie-based step-up verification available through API, portal, and dedicated SDK routes.

AML screening and ongoing re-screening: PEP, sanctions, watchlist, and adverse-media screening with configurable matching, monitoring alerts, review, and reporting. Player-transaction ingestion and SAR filing sit outside this screening capability.

Corporate verification and KYB: Business search, company verification, ownership and risk workflows using selected registry, corporate, credit, and screening sources.

Case and workflow orchestration: Bundles, staged execution, failover, waterfalls, result interpretation, monitoring alerts, case history, and operator review across selected services.

Integration: The platform supports a REST API, configured service bundles, a no-code web platform, CRM routes, a document-verification SDK, and white-label delivery. W2 domains and service codes remain in use after the nCino rebrand. The universal contracting entity, rate card, implementation schedule, and default supplier stack are undisclosed.

Key facts

FullCircl's compliance and verification technology was relaunched as the standalone nCino Identity Solutions offering on October 6, 2025
nCino acquired the outstanding equity interests of Artesian Solutions Limited, identified in its filing as FullCircl, on November 5, 2024
W2 Global Data Solutions Limited and FullCircl Limited are in liquidation
No single customer-contracting entity covers every nCino Identity Solutions deployment
nCino supplies the API, bundle, workflow, portal, monitoring-alert, and case layer while selected checks use external public and commercial data providers
The catalog uses 400-plus identity-verification services, 30-plus global data sources, and 20-plus data suppliers as separate metrics
nCino Identity Solutions covers gambling use cases across identity, AML, age, and player financial risk
The current Entain and Novibet endorsements are explicitly labeled as FullCircl testimonials from before nCino's acquisition
The product covers onboarding screening, ongoing list re-screening, monitoring alerts, cases, and reporting, but not ingestion and rules for player financial transactions or SAR filing
The current rate card and standard production implementation time are unavailable

Delivery options

API

Delivery model

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 test records and 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
! SAR or other regulator-filing submission
! The separate gambling financial-risk and affordability module
! Universal market coverage, price, supplier stack, or implementation time

Software License

Delivery model

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 configured exports 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

Procurement record

Current product boundaries and the terms that still have to be fixed in the signed order or service agreement.

Known is usable now. Contract specific changes by order or market. Not disclosed has no usable standard term. Unknown remains unresolved. Outside provider scope is handled by the operator or another supplier.

Use the provider procurement guide

Contract and supplier

Current nCino Identity Solutions contractorUnknown: The active product uses nCino branding, but older terms can name Artesian Solutions Limited, DueDil Limited, or W2 Global Data Solutions Limited; several legacy companies are in liquidation. A new order must identify the active contractor, invoice entity, processor, and IP licensor.
Configured service bundleContract specific: Consumer identity, document and facial checks, AML screening, monitoring, corporate verification, cases, and workflow orchestration use selectable services and suppliers. Player-transaction monitoring and SAR filing remain outside the module.

Implementation

API bundle and legacy-service migrationContract specific: Delivery includes REST APIs, bundles, no-code workflows, CRM routes, a document SDK, and white-label options. W2 domains and service codes remain active, so the implementation must define migration, parity, credentials, fallback, and support ownership.

Operating responsibilities

Data-provider and account allocationContract specific: The service is data agnostic and can use ComplyAdvantage, Creditsafe, Companies House, and other providers. The order must identify every supplier, account, dataset, territory, permitted purpose, fallback, refresh, output ownership, and replacement right.
Operator interpretation and final decisionsKnown: The platform orchestrates checks, failover, waterfalls, alerts, monitoring, and cases. The operator must define pass, fail, referral, UBO, false-positive, re-screening, and account-action rules and retain final compliance decisions.

Operations and service

Bundle-level performance acceptanceNot disclosed: Comparable match, false-positive, false-negative, provider-fallback, manual-review, KYB-completion, monitoring-alert, and end-to-end latency results are not established for a named service bundle and player population.
Case, monitoring, and report outputKnown: The current platform supports cases, monitoring alerts, reports, and audit-oriented workflow across selected services. Required fields, attachments, review states, export formats, and operator escalation remain bundle-specific.

Commercial terms

Bundle, supplier, and usage chargesNot disclosed: Implementation, platform, service-check, supplier, fallback, retry, document, biometric, screening, monitoring, case, user, minimum, overage, migration, white-label, and support charges are not established.

Market and approval scope

Country and provider coverageContract specific: Identity, document, biometric, registry, credit, sanctions, PEP, adverse-media, and KYB availability depends on the selected provider and service code. Each launch market requires a coverage and permitted-use schedule.

Exit and portability

Legacy route and supplier-data exitNot disclosed: Bundle definitions, service codes, customer records, documents, monitoring history, cases, reports, and audit logs lack an established complete export, including transition support, deletion evidence, and continuing third-party data rights.

Best for: Regulated gambling operators that want configurable identity, age, KYC, KYB, document, and AML-screening services behind one orchestration layer and can contract each underlying source, legal entity, market, and decision boundary.

Strengths

+ Product categories, API bundle logic, the no-code route, case endpoints, and monitoring-alert structure are defined separately.
+ External sources remain separate from nCino-owned results.
+ Gambling is a supported sector, and inherited testimonials are labeled as pre-acquisition endorsements.

What to verify in procurement

! 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.
! The 400-plus services, 30-plus data sources, and 20-plus suppliers are separate metrics, not 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 after the nCino rebrand; migration and support terms are contract-specific.
! Native player-transaction monitoring and SAR filing remain outside the module.
! Entain and Novibet testimonials predate the acquisition; current customer contracts are undisclosed.
! Standard pricing and implementation time are unavailable.
! Affordability and player financial-risk checks are modeled separately and do not expand the AML module by implication.

nCino Gambling Financial-Risk and Affordability Indicators

Multi ProductMixedAvailability: Standalone

nCino Identity Solutions provides an active financial-risk and affordability-indicator workflow for gambling operators; it is not limited to the historical W2 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.

nCino supplies indicators for the operator's player-risk review. It does not send player interactions, set limits, pause accounts, manage self-exclusion, or make the final responsible-gambling decision.

Great Britain's SR Code 3.4.4 requires financial vulnerability checks rather than a generic calculation of personal affordability. As of August 2026, the staged Financial Risk Assessment start date and final data specification remain pending, so compatibility with that unfinished regime cannot yet be determined.

Products

Public-record financial vulnerability: Customer-specific bankruptcy, CCJ, IVA, HCJ, administration-order, DRO, and equivalent indicators with configurable alert thresholds.

Application and derogatory-financial indicators: Selected recent loan-enquiry, public financial-characteristic, and derived default-risk signals. Source, coverage, permitted use, and interpretation remain contract-specific.

Geo-affordability and property context: Postcode-level demographic and vulnerability groupings plus selected residential-property indicators. These contextual signals do not represent individual income or disposable income.

Self-declared financial context: Operator-collected income, recent-loan reasons, and other declared vulnerability fields used as an additional indicator level, subject to the deployment's questions and lawful basis.

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. Price, implementation schedule, default data stack, and mapping to the forthcoming Great Britain Financial Risk Assessment regime remain unresolved.

Key facts

nCino Identity Solutions currently markets a dedicated gambling financial-risk workflow and a dedicated Affordability Checks product
The gambling page separates public-data, third-party-data, and self-declared indicator levels
Available API services include Property Insights UK 007, Derogatory FIN UK 007, Geo Affordability UK 007, and Financial Vulnerability UK 005
nCino supplies a data-agnostic orchestration and workflow layer while affordability signals can use external public and commercial data
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's staged Financial Risk Assessments had Stage 1 thresholds by July 7, 2026, but the Stage 1 start date remains pending
Compatibility with the final forthcoming Great Britain Financial Risk Assessment data specification and Credit Reference Agency delivery under that regime remain undetermined
The service provides indicators, configurable alerts, and operator investigation; player communication, limits, account action, self-exclusion, and treatment referral remain operator-run
The current Entain and Novibet endorsements are explicitly labeled as FullCircl testimonials from before nCino's acquisition
Pricing and standard implementation time for the gambling financial-risk product are unavailable

Delivery options

API

Delivery model

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 contracted
! Automatic compliance with the current SR Code or forthcoming Financial Risk Assessment regime
! Universal price, implementation time, data coverage, or intervention outcome

Procurement record

Current product boundaries and the terms that still have to be fixed in the signed order or service agreement.

Contract and supplier

Current financial-risk service contractorUnknown: The product now uses nCino Identity Solutions branding, while legacy W2 and FullCircl routes remain. The order must identify the active contractor, invoice entity, processor, IP licensor, and every external data supplier.
Financial-risk indicator bundleContract specific: The operator can select public-record vulnerability checks, application and derogatory indicators, postcode and property context, and self-declared fields. Open banking, document collection, player messaging, account controls, self-exclusion, and treatment referral remain outside this module.

Implementation

API bundle and service-code mappingContract specific: The operator configures API or platform workflows around selected services, identifiers, declared fields, thresholds, and review routes. W2 domains and service codes remain, so migration, credentials, fallback, and support ownership must be explicit.

Operating responsibilities

External financial-data suppliersContract specific: The orchestration layer uses public and commercial providers. The order must identify each supplier, account, matching fields, permitted gambling purpose, territory, refresh cycle, fallback, result ownership, retention, and replacement right.
Assessment and player-action ownershipKnown: The operator combines returned indicators with other known information and owns thresholds, manual review, customer interaction, proportional action, limits, suspension, closure, record keeping, and the defensibility of every decision.

Operations and service

Match, bias, and false-result baselineNot disclosed: Comparable match errors, stale-record rates, postcode bias, false positives, false reassurance, inconclusive results, manual-review workload, response latency, and provider-fallback results are not established for the buyer's population.
Case and audit outputContract specific: The platform supports workflow interpretation and case management. The order must define indicator fields, reason codes, threshold versions, review states, customer-contact links, exports, audit history, retention, and model or source-change notice.

Commercial terms

Check, supplier, and workflow pricingNot disclosed: Implementation, platform, financial-risk check, supplier, fallback, retry, case, user, environment, minimum, overage, migration, support, and configuration-change charges are not established.

Market and approval scope

Great Britain regulatory mappingContract specific: SR Code 3.4.4 defines light-touch financial vulnerability checks using customer-specific public records. Mapping to staged Financial Risk Assessments remains unresolved until timetable and operating requirements are final and the order names the corresponding service configuration.

Exit and portability

Indicator, case, and legacy-route exportNot disclosed: Input, provider-result, reason, threshold, decision, case, and audit records lack an established complete export, including transition help, external-data rights, post-termination access, retention, and deletion evidence.

Best for: Great Britain-facing operators that need configurable public-record and financial-context indicators inside an existing player-protection process and can own the lawful basis, thresholds, human review, intervention, decision trail, and regulator mapping.

Strengths

+ The service has three indicator levels and a dedicated affordability product rather than a repackaged historical W2 offer.
+ Four affordability services have concrete API service codes.
+ The model keeps nCino's workflow separate from external source ownership and from the operator's final player-protection decision.

What to verify in procurement

! 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.
! Readiness for Great Britain's Financial Risk Assessment regime depends on the final timetable, operating requirements, and an explicit nCino product mapping.
! Postcode-level geo-affordability and derived scores are contextual indicators, not 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.
! Player messaging, limit enforcement, account action, self-exclusion, treatment referral, open-banking review, and document collection are outside this module.
! The Entain and Novibet endorsements describe pre-acquisition FullCircl deployments; their current deployment status is undisclosed.
! Pricing and a standard implementation time are undisclosed.