Innov8tif
For small and medium businesses

Verify customers quickly — with just one API

EMAS eKYC Gateway is one API that bundles document OCR, liveness, face match, and document authenticity — built around identity documents from 12 countries across Asia. SMEs integrate once and onboard customers the same week.

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The Product

What is the EMAS eKYC Gateway?

The EMAS eKYC Gateway is the single API that orchestrates Innov8tif's four core verification checks behind one integration point.

Each customer onboarding gets a unique JourneyID. Your system passes that one identifier through OCR, liveness, face match, and document authenticity, then retrieves a combined Scorecard at the end.

The Gateway handles identity documents from twelve countries across Asia out of the box — nine ASEAN markets plus China, Hong Kong, and the UAE. Submitted data is purged after fourteen days.

  1. 1

    Create a session

    Create JourneyID

  2. 2

    Read the ID

    OkayID — OCR

  3. 3

    Confirm liveness

    OkayLive

  4. 4

    Match the face

    OkayFace

  5. 5

    Authenticate document

    OkayDoc

  6. 6

    Get the result

    Scorecard

How the Gateway works

Four checks. One JourneyID with a Scorecard.

Sequence diagram showing the JourneyID lifecycle: app creates a JourneyID, calls OkayID for OCR, then runs OkayDoc authenticity and OkayFace face match in parallel, and finally retrieves the combined Scorecard.

  1. Authenticate once

    Your backend calls Create JourneyID with the credentials Innov8tif issues. You get a JourneyID that scopes one customer's flow.

  2. Stream the captures

    Submit the ID image to OkayID for OCR. Run OkayDoc authenticity and OkayFace face-match in parallel — both reuse the same JourneyID. Layer in OkayLive if you want liveness on the selfie.

  3. Read the Scorecard

    Pull the combined Scorecard for one pass-or-refer signal plus component-level scores. Make the onboarding decision in your own backend.

Architecture

Where the Gateway fits in your stack

Customer

Your stack

Web or mobile app

OkayCam mobile SDK optional

Your backend

EMAS eKYC Gateway

One integration · 12 countries + passport

AI services

OkayID

OkayLive

OkayFace

OkayDoc

The Gateway sits between your customer-facing app and the four AI services. Integration is server-to-server: your backend holds the credentials and orchestrates the flow. Mobile SDKs are optional if you want a native camera flow with on-device quality checks.

Why SMEs choose the Gateway

01

One API, four AI checks

OkayID, OkayLive, OkayFace, and OkayDoc run behind a single integration — wrapped by JourneyID at the start and a combined Scorecard at the end. No juggling four separate vendors.

02

Built for ASEAN out of the box

Twelve countries' national IDs are supported on day one — Brunei, Cambodia, China, Hong Kong, Indonesia, Malaysia, Myanmar, Philippines, Singapore, Thailand, UAE, Vietnam — plus international passports.

03

60-second customer onboarding

OkayDoc and OkayFace run in parallel against the same JourneyID. End-to-end verification typically completes inside a minute, including OCR and Scorecard retrieval.

04

Audit-ready by default

Every JourneyID returns a Scorecard with component-level results. Data is retained fourteen days so your compliance team can review or export before purge.

Verticals we already serve

Built for these SME segments

Digital lenders and BNPL providers

Digital lenders & BNPL

Borrower KYC in minutes

 Insurance agencies and brokers

Insurance agencies

Digital policy onboarding

 Telco operators and MVNOs

Telco & MVNOs

SIM-registration KYC

 Telemedicine and digital health clinics

Telemedicine

Patient identity at signup

 Boutique hotels and short-term rentals

Hospitality & rentals

Guest ID assurance
Components included

Four AI checks behind the same API

OkayID

OCR plus document-type recognition. Extracts and validates fields per country.

OkayLive

Passive liveness detection — no head-turns or blinking required. Confirms the customer is real, present, and not a replay or spoof.

OkayFace

Matches the customer's selfie against the portrait extracted from the ID document.

OkayDoc

Tamper, forgery, and copy detection. Splits MyKad, passport, and non-MyKad pathways.
FAQ

What SMEs ask before integrating

Which ID documents does the Gateway support?

Twelve countries are supported out of the box for national IDs — Brunei, Cambodia, China, Hong Kong, Indonesia, Malaysia, Myanmar, Philippines, Singapore, Thailand, UAE, and Vietnam — plus international passports. Malaysia covers MyKad, MyKas, MyTentera, MyPR, MyKid, MyOKU, MyPolis, MyPoca, and Driving License.

How long does a full verification take?

OkayID averages five to ten seconds for OCR. OkayDoc and OkayFace run in parallel against the same JourneyID, so the end-to-end onboarding — including image capture and Scorecard retrieval — typically completes inside sixty seconds.

Do I need a developer team to integrate?

The Gateway is a backend-to-backend REST API. Any engineer comfortable with HTTP requests can wire it in — Postman collections and step-by-step guidelines are provided. SMEs without an in-house team typically work with one of Innov8tif's regional integration partners.

How long is customer data retained?

The JourneyID and all submitted data — images, OCR output, scores — are purged after fourteen days. Your own systems retain only what you choose to persist from the Scorecard response.

Is the Gateway server-to-server only, or does it have a frontend widget?

Gateway calls are backend-to-backend so your credentials stay server-side. For mobile capture you can layer in the OkayCam SDK, which adds on-device image-quality checks before the captures hit your backend.

What jurisdictions and regulations does it support?

Innov8tif's components are deployed under KYC and AML programmes across ASEAN — including Malaysia's BNM-regulated financial services, Indonesia's OJK-supervised lenders, the Philippines' SIM registration mandate, and ASEAN insurance regulators. Talk to us about your specific compliance framework.

Related reading

Insights from the lab

Set up identity verification this week

Talk to us about onboarding your customers with the EMAS eKYC Gateway. We will walk you through the integration and the documents we support in your country.

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