CH-03 · calculator · chapter moat

KYC TCO calculator

Model 1-year KYC cost across the three KYC vendors with public pricing — Sumsub, ShuftiPro, Veriff. Tune monthly volume, failed-verification rate (matters most for ShuftiPro's pay-for-failures model), proof-of-address uplift, and KYB share. Export CSV for offline review.

Scenario preset

PilotCySEC brokerDMCC operatorEnterprise

Monthly verification volume2,000 checks/mo

Includes all identity verifications + KYB events you process per month.

Failed-verification rate8%

Pay-for-failures matters most for ShuftiPro; Sumsub partially absorbs.

Proof-of-address share80%

CySEC operators typically require PoA — uplifts per-check cost 20-30%.

KYB (business verification) share5%

KYB runs 2.5-3x the cost of KYC at most vendors.

Vendors in model (3 of 3)

SumsubShuftiProVeriff

Year-1 TCO

KYC & AML cost comparison

ShuftiPro$6,947

Veriff$25,419

Sumsub$62,123

Year-1 TCO per vendor — tabular fallback.
Vendor	Year-1 TCO (USD)
ShuftiPro	$6,947
Veriff	$25,419
Sumsub	$62,123

Email-gated export ships once Cloudflare D1 holding bucket is wired (iter 11).

Show vendor pricing model notes

ShuftiPro: $0.20/check; charges full rate for failed verifications; no monthly minimum at entry tier.
Veriff: Essential tier ~$0.80/check (published); Plus ~$1.39; Enterprise custom. Modeled at Essential entry rate; volume discounts apply mid-band and sub-1k/mo operators see higher effective costs than the listed rate.
Sumsub: $1.85/check baseline; KYB ~2.5x; ~$300/mo min from public Sumsub /trading pricing.

Modeled from public vendor pricing; not a contract. Negotiated rates often deviate ±30%. Refresh cadence: 90 days.