Why Fill EasyWhy not just use Jumio, Sumsub, or an in-house team?
Generic KYC vendors and self-built systems solve a different problem. Here's where they fall short for regulated institutions in the GBA.
OCR / Liveness vendors(e.g. Jumio, Sumsub, Onfido)
Data is self-declared
OCR reads what's printed on the card. It can't verify the record is real — a high-quality fake passes.
Not government-sourced
HKMA, IA, and MAS increasingly expect identity data to originate from government databases, not third-party AI models.
No GBA cross-border coverage
None have a Standard Contract Filing to legally transfer Mainland Chinese PII to Hong Kong.
Compliance liability stays with you
When a fake ID slips through, the regulatory exposure is yours. Government-sourced data transfers that liability to the authority.
Building in-house(internal IT / procurement)
Licensing is non-trivial
Direct access to iAM Smart, MPS, or Singpass APIs requires separate licensing agreements with each government body — and ongoing relationship management.
Cross-border data transfer is a legal project
Filing a Standard Contract with 广东省互联网信息办公室 takes months and requires a Chinese legal entity. Most HK banks don't have this.
Regulation changes break your system
When IA, HKMA, or CAC update their rules, your internal team rebuilds. Fill Easy absorbs that cost.
Time to market
A full in-house build typically takes 12–18 months. Fill Easy provisions API keys in 10 minutes.
Fill Easy(government-sourced, licensed)
✓Data originates from government
iAM Smart, MPS, Singpass, UAE Pass — every record is live from the source authority. No OCR, no AI inference, no self-declaration.
✓Cross-border transfer already filed
Standard Contract No. 202500003 with 广东省互联网信息办公室 covers your PII transfer the moment you sign our contract.
✓Regulatory changes handled for you
Fill Easy maintains direct relationships with OGCIO/DPO, IA, HKMA, and CAC. When rules change, we update — you don't.
✓Single API, multi-region
One integration covers HK, Mainland China, Singapore, and UAE. No separate vendor contracts or compliance stacks per region.