How Sentbe Serves Foreign Customers with ARGOS ID check

Cross-Border Remittance Just Got Easier: How Sentbe Serves Foreign Customers with ARGOS ID check

In today’s increasingly globalized world, the number of people living and working outside their home countries continues to rise. This trend has driven a growing demand for accessible, affordable, and secure cross border financial services particularly among foreign workers, international students, and short- to long-term residents.

Sentbe, a leading fintech remittance company in Asia, is one of the key players helping bridge this financial gap for foreigners. With low fees, rapid transfer speeds, and a mobile-first experience, Sentbe has emerged as a trusted solution for people sending money across borders. But behind this convenience lies a complex challenge verifying the identity of foreign users accurately, efficiently, and in compliance with global regulatory standards.

This is where ARGOS comes in.

Why Identity Verification Is a Global Challenge for Remittance Providers

Whether you’re a foreign worker in South Korea, a student in Japan, or a digital nomad in Southeast Asia, one issue is consistent verifying your identity can be frustrating.

Foreigners often carry national IDs or registration cards that differ in format, language, and security features. For remittance companies, this means managing hundreds of ID types, detecting forgeries, and complying with regional anti money laundering (AML) and Know Your Customer (KYC) regulations.

For example, many countries require foreigners staying longer than 90 days to obtain official residence permits. These documents serve as primary identification for accessing financial services, but verifying their authenticity especially in an online environment requires advanced tools and localized knowledge.

The Risks of Getting It Wrong

Remittance providers face numerous risks if identity verification is weak or inconsistent:

• Money laundering: Even small, repeated transfers to specific regions can trigger compliance alerts.

• Forgery and fraud: With growing use of cheap smartphones and VPNs, companies must detect forged IDs and manipulated selfies.

• Reputational damage: A single security incident can erode user trust and expose companies to legal penalties.

To mitigate these risks, remittance providers need solutions that are not only secure and compliant, but also adaptable to users from diverse cultural and regulatory backgrounds.

Sentbe’s Solution: Partnering with ARGOS for Seamless eKYC

Sentbe was facing critical bottlenecks in identity verification:

• Low OCR accuracy for non Latin scripts

• Difficulty detecting forged documents

• Complicated processes to verify IDs using government databases

To address these issues, Sentbe integrated ARGOS’s ID check, an AI-powered, online identity verification solution.

ARGOS supports document recognition from over 200 countries and offers facial recognition with 99.996% accuracy. Its system includes liveness detection, anti-spoofing checks, and ID authenticity verification, helping companies maintain compliance while improving the user experience.

Moreover, ARGOS's ID check can be integrated in just one day, and includes fraud-prevention features such as duplicate user detection, abnormal IP tracking, and real time monitoring via ARGOS SCORE.

Why It Works And Who It’s For

Sentbe’s partnership with ARGOS shows how fintech companies can securely serve foreign customers anywhere in the world.

This model is ideal for:

• Fintech startups offering remittance or micro finance services to international users

• Financial institutions needing robust AML and KYC infrastructure

• Companies struggling with identity verification across languages and ID formats

• Platforms that prioritize user trust and fraud prevention

Going Beyond Sentbe: A Scalable Model for Global Use

Sentbe isn’t alone. Increasingly, financial services are turning to AI based eKYC systems to serve mobile first users from diverse backgrounds. ARGOS’s ID check provides a scalable, secure, and regulation-ready solution that reduces friction and fraud in onboarding.

From verifying ID documents and faces via selfie, to detecting deepfakes and forged registrations, ARGOS empowers remittance companies to serve global users more confidently.

As the world becomes more interconnected, identity verification is no longer a local issue it’s a global challenge. By combining machine learning with regulatory insight, ARGOS helps companies stay compliant, secure, and user friendly.

Thinking of offering remittance services to global users?
Start with secure identity verification. Start with ARGOS.