Vanguard Vision AI
Cooperative member completing digital onboarding on a phone with verified identity and financial data
MyOneID Finance · Banks and cooperatives

The intelligent infrastructure for the digital cooperative

Connect the information. Know every member better. Turn data into more business.

  • OneID· Verify
  • OneGraph· Connect
  • OneCore· Decide
Book a demoSee the platform

Open Finance

Interoperability of authorized data.

Open Solidaria

A roadmap for the cooperative sector.

Data governance

Reliable, secure, purpose-bound data.

Applied AI

More precise decisions for more growth.

One platform

From onboarding to more sales.

  • OneID· Verify
  • OneGraph· Connect
  • OneCore· Decide
OneID

Identify and digitize

  • Digital onboarding
  • Biometrics and KYC
  • Consent management
  • Electronic signature
  • Collection and payments
  • Integration with your core
MyOneID member profile with verified identity
OneGraph

Connect and enrich

  • Integrates internal and external data
  • Open Finance and Open Solidaria
  • 360° view of every member
  • Data governance and quality
MyOneID 360° member view linking savings, credit, transactions, channels and insurance
OneCore

Activate opportunities

  • Scoring and profiling
  • Smart pre-approvals
  • Personalized campaigns
  • Product recommendation
  • Commercial analytics
  • Process automation
MyOneID opportunities for a member: pre-approved credit, savings account and debit card
The flow

From verified person to activated product.

One journey, four steps, no paper.

Step 1

Verified person identity

Document OCR, face match and active liveness on the member’s own phone or at a branch terminal.

Step 2

KYC

Identity verification and risk screening against government, sanctions and credit-bureau sources.

Step 3

Digital signature

Legally binding e-signature of the affiliation and credit documents inside the same flow.

Step 4

Payroll-deducted lending

Affordable credit with built-in repayment, activated as a workflow step.

Use cases

Direct impact on your business.

Digital affiliation

Members join from any channel with a verified identity and a signed contract.

Savings account

Open and activate digital accounts in minutes.

Smart credit

Pre-approvals with more context, including payroll-deducted lending.

Cross-selling

Detect and offer the next product to each member.

Member reactivation

Wake up dormant bases with the right offer.

Automation

Simpler, more efficient processes from onboarding to collection.

Coopetraban branch
Coopetraban logo
Success case · Cooperative finance · Colombia

Coopetraban is our wedge into cooperative finance.

National presence without opening offices.

  • 67K+ members
  • Signed framework contract
  • OneID powers onboarding, KYC, digital signature and payroll-deducted lending
9 days → seconds
Account opening
10 people → 1
Manual process
90%+ faster
KYC and product activation
New membersHigher loan placementMore depositsShorter response time
Compliance by design. Consent, purpose limitation, retention and the right to be forgotten follow Ley 1581 de 2012 (Habeas Data). Biometric data is processed only with the express authorization of the member, and every decision keeps its evidence and reasons for audit.

One identity. One ontology. Thousands of intelligent decisions.

For cooperatives that believe in a better future. Bring your onboarding, KYC or credit workflow and we will show you how it runs on Vanguard Core.

Book a demo