specification: FinOps Framework
specificationVersion: '1.0'
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
provider: Sumsub
providerId: sumsub
publisherName: Sumsub
serviceCategory: API
created: '2026-05-25'
modified: '2026-05-25'
tags:
  - AML
  - Compliance
  - Cost Management
  - FinOps
  - FOCUS
  - Identity Verification
  - KYC
description: FinOps framework definition for the Sumsub verification platform. Provides a FOCUS-aligned
  mapping for cost allocation, usage measurement, and unit-economics reporting across KYC, KYB, AML,
  transaction monitoring, and Travel Rule consumption. Pricing is per successful verification, making
  per-verification unit economics the primary cost lens.
principles:
  - name: Visibility
    description: Make per-verification spend, failure rates, and AML screening volumes visible to
      compliance, product, and finance teams in near real-time.
  - name: Allocation
    description: Tag every billable verification with the consuming business line, product, geography,
      verification level, and applicant cohort so cost can be allocated to revenue-generating activity.
  - name: Optimization
    description: Continuously evaluate verification level configuration, document type mix, Non-Doc
      eligibility, and re-verification policies to reduce cost per successfully onboarded customer.
  - name: Accountability
    description: Establish budget owners and chargeback or showback flows for each business line
      consuming KYC, KYB, and AML services.
domains:
  - name: Understand Usage and Cost
    capabilities:
      - Data Ingestion
      - Allocation
      - Reporting and Analytics
      - Anomaly Management
  - name: Quantify Business Value
    capabilities:
      - Planning and Estimating
      - Forecasting
      - Budgeting
      - Benchmarking
      - Unit Economics
  - name: Optimize Usage and Cost
    capabilities:
      - Architecting for Cloud
      - Rate Optimization
      - Workload Optimization
      - Cloud Sustainability
      - Licensing and SaaS
  - name: Manage the FinOps Practice
    capabilities:
      - FinOps Practice Operations
      - FinOps Education and Enablement
      - Invoicing and Chargeback
      - Onboarding Workloads
      - Intersecting Disciplines
billingModel:
  pricingCategory: Usage-Based
  billingFrequency: Monthly
  billingCurrency: USD
  chargeCategories:
    - Usage
    - Purchase
    - Tax
    - Credit
    - Adjustment
  chargeFrequency: Recurring
  commitments:
    - name: Basic Monthly Minimum
      amount: '149.00'
      currency: USD
      frequency: Monthly
    - name: Compliance Monthly Minimum
      amount: '299.00'
      currency: USD
      frequency: Monthly
focusColumns:
  ServiceName: Sumsub
  ServiceCategory: Identity Verification / Compliance API
  ProviderName: Sumsub
  PublisherName: Sumsub
  InvoiceIssuerName: Sumsub
  PricingCategory: Usage-Based
  PricingUnit: verification
  BillingCurrency: USD
  ChargeCategory: Usage
meters:
  - name: successful_verifications
    description: Count of successful applicant verifications (primary billable unit). Charged at the
      per-verification price of the active plan.
    unit: verification
    aggregation: sum
    dimensions:
      - api
      - verification_level
      - applicant_type
      - country
      - business_line
      - environment
  - name: aml_screenings
    description: Count of AML, sanctions, PEP, and adverse media screenings performed on applicants.
    unit: screening
    aggregation: sum
    dimensions:
      - api
      - watchlist
      - country
      - business_line
  - name: ongoing_monitoring_subjects
    description: Number of applicants under ongoing AML monitoring at end of billing period.
    unit: subject
    aggregation: max
    dimensions:
      - api
      - business_line
      - country
  - name: transaction_monitoring_events
    description: Number of transactions evaluated by Sumsub transaction monitoring rules and models.
    unit: transaction
    aggregation: sum
    dimensions:
      - api
      - asset_class
      - business_line
      - country
  - name: travel_rule_messages
    description: Number of Travel Rule counterparty messages exchanged with other VASPs.
    unit: message
    aggregation: sum
    dimensions:
      - api
      - counterparty
      - asset
apis:
  - name: Sumsub API
    baseURL: https://api.sumsub.com
    tags:
      - Applicants
      - AML
      - Authentication
      - Business Verification
      - Case Management
      - Checks
      - Crypto Transactions
      - Device Intelligence
      - Documents
      - Identity Verification
      - KYB
      - KYC
      - Non-Doc Verification
      - Payment Methods
      - Reports
      - Screening
      - Transaction Monitoring
      - Travel Rule
      - Verification Levels
      - Webhooks
    serviceName: Sumsub
    serviceCategory: API
unitEconomics:
  - name: Cost per Successful Verification
    metric: billed_cost / successful_verifications
    target: '1.35-1.85'
  - name: Cost per Onboarded Customer
    metric: billed_cost / unique_onboarded_applicants
    target: TBD
  - name: AML Screening Cost Ratio
    metric: aml_screening_cost / billed_cost
    target: TBD
  - name: Verification Pass Rate
    metric: successful_verifications / total_verification_attempts
    target: '0.93'
maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com