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Finance & FinTech

Cut out the round-trip. Cut the review time.

Judge a document's authenticity on the spot, without querying the issuer. Lemma attaches a proof to the document so the review never stalls.

Review system — submitted documents
Not tampered with
DOC HASH0x68d4…9f01
IssuerIssuing Bank
Issued2026-07-28
SubjectBalance certificate
Proof classProvenance
Signature matches Tamper check Issuer confirmed
The proof layer
is running now
Verification Center live 3 proof-backed data feeds Verification is free
See it for yourself →
01 — Why LemmaWhat slows a review down is the round-trip.

Credit decisions, KYC, sanctions screening — the judgment itself takes minutes. The time goes into confirmation: querying the issuer, waiting for the answer, requesting the original. Digitizing the paperwork does not remove that loop, because anyone can produce a PDF. The wait ends only when the receiving side can check for itself.

The review isn't slow.
It's waiting on the issuer.

02 — What changesThree things Lemma changes
Reviews that never wait on a query

Judge authenticity from the document in hand, with no call to the issuer. Files stop piling up mid-review.

Review screen
Record presentedBalance certificate (2026-07)
IssuerIssuing Bank
Query to issuerNot needed
VerdictNot tampered with
Documents received for review
Balance certificate (2026-07)PDFProof attached
Certificate of incorporationPDFProof attached
Audited financials (FY2025)PDFProof attached
Sanctions screening recordJSONProof attached
Tampering and swaps, caught on the spot

Any change or substitution since issuance shows up in the verdict, so a doctored document stops being a risk you carry.

Only requests with a valid proof execute

Hand credit checks or payments to automation and AI agents, and only requests that carry a valid proof are ever executed.

POST /v1/proofs/verify
// Verify the proof on a submitted document { "docHash": "0x68d4…9f01" } // What comes back — no authentication required { "valid": true, "issuer": "Issuing Bank" }
03 — Threat casesWhat happened when the check became a formality.

Three cases from this area, drawn from the Lemma Critical Briefs. In each one the documents and signatures looked valid — and did not match reality.

See every Brief in this area →

04 — How it worksThree steps, and that's it.
Issuing the proof
RecordBalance certificate (2026-07)
IssuerIssuing Bank
What is sentHash only
Issued 0x68d4…9f01
01Attach a proof
Why it holdsChange one character in the record and it no longer matches the proof.
One API call at issuance, or register it from a form. The body of the record is never sent.
The record you hand over
Balance certificate
Proof attached — verify here
02Hand it over
Why it holdsThe proof itself is about 200 bytes. How you deliver it is up to you.
The record carries a verification link. PDF or paper — nothing about how you send it has to change.
The reviewer's screen
Not tampered with
SignatureTamper checkIssuer
03They check it
Why it holdsThe receiving side settles it alone, without contacting the issuer.
Open the link and the verdict appears. No account, no key.
05 — Use casesHow it is used in this industry
06 — Latest newsAdoption, and what is moving in this area

See all blog posts →

Finance

Where does the waiting
in your review actually start?

We map your current review flow with you and pinpoint what is generating the queries to issuers. It starts with a 30-minute call.