Every time a business onboards onto a bank or fintech a human analyst has to conduct manual document verification. We replace those human KYB (know your business) analysts with AI agents that handle cases in seconds, not days.

Currently, 30% of know your business (KYB) cases result in manual review work. With Arva's AI agents the whole end-to-end onboarding experience is automated. Instant onboarding whilst reducing operational costs by 80%.

Our end goal is to have a whole suite of AI workers that can handle manual compliance work for banks and fintechs. A $24B opportunity in the US alone.
AI agents for instant business verification
Title: Arva AI: AI agents for instant business verification | Y Combinator

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### AI agents for instant business verification

Every time a business onboards onto a bank or fintech a human analyst has to conduct manual document verification. We replace those human KYB (know your business) analysts with AI agents that handle cases in seconds, not days. Currently, 30% of know your business (KYB) cases result in manual review work. With Arva's AI agents the whole end-to-end onboarding experience is automated. Instant onboarding whilst reducing operational costs by 80%. Our end goal is to have a whole suite of AI workers that can handle manual compliance work for banks and fintechs. A $24B opportunity in the US alone.



Arva AI

Founded:2024

Team Size:2

Location:San Francisco

### Active Founders

### Rhim Shah, Founder/CEO

Formerly led the FinCrime product team at Revolut Business and multiple product teams at Jobandtalent. Prior to that an APM intern at Google. Studied Engineering at the University of Oxford.



### Oli Wales, Founder/CTO

Formerly lead product engineer at Opvia (YC S20), before that a full-stack engineer at Iventis, Chimnie and The Trade Desk. Studied Computer Science at the University of Cambridge.



### Company Launches

[### Arva AI — AI agents for instant global KYB onboarding](

**✨ TL;DR**
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[Arva AI]( ([LinkedIn]( makes onboarding onto a bank/fintech as a business 100x faster and significantly cheaper. We've built a highly compliant AI agent that instantly handles all low/medium risk manual KYB work in real-time as a customer is onboarding, cutting reviews to seconds and ops spend by 80%.

**❌ The Problem**
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When a business onboards with a bank or fintech, a human analyst has to conduct manual verification over 40% of the time.

**Why is this human review stage a problem?**

*   Longer onboarding times cause drop-off from the onboarding funnel (in some cases, up to 50%!). This is a huge revenue loser.
*   Large operational overheads to run compliance teams— usually in the millions for large fintechs.
*   Humans make mistakes and deviate from procedure.

**💡 Enter Arva AI**
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Arva AI’s agents completely replace human analysts, resulting in instant onboarding for low/medium-risk cases. Arva is a modular solution that can combine with preexisting compliance stacks or completely replace them as an end-to-end platform.

Arva is capable of conducting advanced web due diligence on a business entity, document verification, fraudster checking, handling the back and forth with customers, and much more.



**See it in action**

[

**🙏 Asks**
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If you’re a fintech who has to conduct KYB onboarding, we’d love to discuss how we can make your onboarding times 100x faster and save you a bunch of money in the process. Book a demo [here]( or drop us an email: [rhim@arva-ai.com](mailto:rhim@arva-ai.com). Or if you’re connected to the fintech space and there is someone you can introduce us to, please reach out!

**🦸 The team**
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We’re Rhim (Oxford MEng) and Oli (Cambridge BSc), and we’ve been building products together for a while!

*   [Rhim]( (CEO) formerly led the FinCrime product team at Revolut Business, where he saw the extent of the manual workload during business onboarding. He also led multiple product teams at Jobandtalent. Prior to that, he was an APM intern at Google.
*   [Oli]( (CTO) was formerly the lead product engineer at Opvia (YC S20). Before that, he was a full-stack engineer at Iventis, Chimnie, and The Trade Desk.



#### Company Photo


