KYC onboarding that stopped leaking applicants

Ledgerly had a working credit model and a form that felt like a tax return. Completions were the constraint, not underwriting.

We split the application, auto-saved progress, and made document upload resilient on mobile. Reviewers got a queue with the original file, the extracted fields, and a required human confirm.

Nothing ‘AI’ ships as a silent decision. Extraction proposes; a person accepts. That was a product requirement, not a slogan.

Challenge. Applicants dropped off on a 14-field form. Compliance reviewed cases in email, so nobody could see where files stalled.

Solution. We redesigned onboarding into four saveable steps, added a reviewer queue with audit events, and wired document extraction as a draft — never as a final decision.