How Sumsub Works
Sumsub uses all-in-one KYC/AML compliance platform. This page provides a deep technical analysis of their architecture, data practices, and how they compare to POY Verify's zero-data approach.
Sumsub's Architecture
Cloud-based. Sumsub provides a comprehensive compliance platform including document verification, biometric liveness, AML screening, and ongoing monitoring. All verification data flows through Sumsub's cloud infrastructure where AI processes documents and biometrics.
What Data Sumsub Collects and Stores
Government documents, selfie images, biometric templates, AML screening results, transaction monitoring data, PII from document extraction. As an all-in-one platform, Sumsub accumulates the broadest data footprint of any verification provider.
Architectural Weakness
The Core Issue
The all-in-one approach means Sumsub stores everything: documents, biometrics, AML data, and behavioral signals. While this is comprehensive for compliance, it creates an extremely large attack surface. A Sumsub breach would expose every category of sensitive identity data simultaneously.
How POY Verify Is Fundamentally Different
| Aspect | Sumsub | POY Verify |
|---|---|---|
| Where biometrics are processed | Cloud servers | On-device Secure Enclave only |
| Biometric data stored | Yes - on servers | Zero - never leaves device |
| Breach exposure | Critical - PII + biometrics | Zero - nothing to breach |
| BIPA/GDPR compliance approach | Policy-based (promises + DPAs) | Architecture-based (physically cannot access data) |
| User data control | Controlled by Sumsub | Controlled by the user's device |
The Bigger Picture: Why Architecture Matters More Than Features
Sumsub's technical capabilities may be strong - all-in-one KYC/AML compliance platform can be effective for certain use cases. But the architecture - where data lives, who controls it, and what happens when things go wrong - is what determines long-term risk, compliance burden, and user trust.
Every verification provider that stores biometric data on servers is making a bet: that their servers will never be breached, that regulators will not tighten requirements, and that users will continue accepting centralized data collection. POY Verify eliminates these bets entirely. When biometric data never leaves the device, there is no breach risk, no regulatory gamble, and no trust deficit to overcome.
The question for organizations evaluating Sumsub vs POY Verify is not "which has better features?" but "which architecture survives the next decade of AI threats, privacy regulation, and data breach escalation?"
When to Use Sumsub vs POY Verify
Use Sumsub when: You are legally required to verify legal identity for regulated use cases (financial KYC/AML, government identity proofing). For these regulated contexts, document-based verification may be legally mandated.
Use POY Verify when: You need to know if a user is a real human being without collecting their personal data. For the vast majority of platforms - social media, dating, marketplaces, gaming, content platforms, SaaS - this is the question that matters most.
About POY Verify
POY Verify is the first universal human verification system built on zero-data architecture. Unlike traditional identity verification services that collect, transmit, and store your biometric data on their servers, POY Verify processes everything inside your smartphone's Secure Enclave - a physically separate processor with its own encrypted memory that even the operating system cannot access. No biometric data ever leaves your device. No personal information is ever collected. No databases exist to breach.
The system works in 30 seconds: your device's hardware sensors (3D depth cameras, infrared emitters, and motion detectors) confirm a living human is physically present. A cryptographic key pair is generated inside the Secure Enclave. The private key never leaves the device. The public key is registered with POY's verification registry. You are now a verified human on the internet - with zero personal data exposed.
Why Human Verification Matters
The internet was built without a way to prove a human being is on the other end of a connection. This architectural gap has created a trust crisis of unprecedented scale. Over 64% of all web traffic is now non-human - bots, scrapers, and automated agents that create fake accounts, post fake reviews, manipulate engagement metrics, and impersonate real people. Deepfake technology has increased 500% since 2024, enabling AI-generated faces, voices, and videos that are indistinguishable from real humans. Deepfake-enabled fraud exceeded $25 billion in losses in 2025 alone.
Traditional verification methods have failed to keep pace. CAPTCHAs are solved by AI with 99.8% accuracy. Phone verification is bypassed by SIM farms selling numbers for cents. Email verification is defeated by disposable address services. Document uploads create massive data breach liability while excluding the 1.4 billion people worldwide who lack government-issued identification. The tools of fraud have outpaced the tools of verification.
POY Verify exists to close this gap. By using hardware-based biometric liveness detection with zero data collection, it provides definitive proof that a real human is present - without the privacy sacrifices, regulatory burden, or exclusion that traditional methods create. The result is a verification layer that works for every human, on every platform, in every country, at zero cost to the individual.
Prove You Are Real
POY Verify is the privacy-first human verification layer for the internet. No data collected. No identity required. Just proof you are human. Join thousands already on the waitlist.
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