Know who you pay before you pay them.
Send a contact one portal link. They complete the checks you chose, and their details stay verified.
Three levels of diligence
Choose Light, Standard or Enhanced for each contact, for people and businesses alike. They complete it themselves through a secure portal link, so nobody emails passports around.
Sanctions and PEP screening runs at every level, automatically, and keeps running after onboarding.
Try it Switch the level and the contact type, and pick their roles.
Diligence level
Who
Their roles Pick any that apply
- Business profileThey complete this
- Sanctions and PEP screening, continuousAutomated
- Representative's ID and liveness checkThey complete this
- Tax form (W-9 or W-8)They complete this
- Payout account detailsThey complete this
Each level includes the one before it. Enhanced adds beneficial owners for businesses.
Your checklist, contact by contact
Onboarding is not one long form for everyone. You set the level for each contact, and their role adds what it needs: a W-9 or W-8 and payout details for the people you pay, accreditation for investors.
So a contractor is never asked about company owners, and an investor is never asked for a bank account you will not pay into. Roles stack, too: an investor who also invoices you is asked for both.
Try it Pick a contact to see their checklist.
Maya Lin
Product designer in Austin, paid monthly in USDC
- Person
- Standard
- Contractor
- Personal profileLegal name, address, date of birthThey complete this
- Government ID and liveness checkA photo ID and a live selfieThey complete this
- Tax formW-9, as a US personThey complete this
- Payout detailsHer USDC wallet, which you can confirm with a test paymentThey complete this
- Sanctions and PEP screeningRuns on its own, and keeps runningAutomated
Four things for Maya to do. No ownership questions: she is a person, not a company.
Investor accreditation
Investors pick the requirement they meet, upload the evidence and certify it, in the same portal as every other check.
Which requirement do you meet?
Accredited investor
As an individual As a businessVerify a wallet before the first payment
A wallet address is easy to mistype and easy to fake. A mistyped address is flagged as it is entered, when it fails its checksum. Then check it once, properly.
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A small test payment goes out to the wallet on file, before any real payment.
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They confirm the amount in their own portal, proving they control the wallet.
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Verified and marked on their record, next to their other checks.
Changed payout details get a fresh check
The classic payment fraud is an email saying a vendor's bank details have changed. In Mezzanine, a new wallet starts unverified. Until it passes its own test payment, every payment to it is marked as going to an unverified wallet, and anyone who approves one anyway is named in the activity log.
One record, everywhere you pay
Enter a counterparty once. Every part of Mezzanine works from the same record.
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Entered once, used everywhere
The same contact is there when you pay a bill, send a quick payment, request a payment or invite an investor. Their checks and payout details come with them, so nobody re-types an account number.
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Read off the invoice
Upload a bill from someone new and their name, business and payout details are picked out of it. Review them, then save them as a new contact or as an update to one you have.
