RatiVault vs Yoti Sign
Yoti Sign combines digital identity with e-signatures — a natural fit for KYC-sensitive financial workflows. But financial document signing needs more than identity verification: it needs vaulted storage, tamper-evident seals, and audit trails that satisfy FCA and PRA scrutiny across the full document lifecycle.
Financial-grade signing with vaulted storage and lifecycle compliance
Identity-verified e-signatures for trusted transactions
Yoti Sign pricing typically requires annual commitments and per-user fees. Here's what RatiVault offers instead.
For advisory firms and small financial practices
For regulated firms with compliance obligations
For banks, insurers, and large financial institutions
SHA-256 hash at upload, before any signer touches the document. Immutable audit trail throughout. Any modification is cryptographically detectable. Not a feature flag — the architecture itself.
Financial regulators expect years of retention. RatiVault stores documents and complete audit trails for 7 years by default, with immutable storage that prevents deletion or tampering during the retention period.
Per-event logging: IP address, user agent, ISO 8601 timestamp, verbatim consent text, document hash. Exportable as signed audit certificates. Designed for the questions your FCA supervisor will ask.
The signing experience runs zero analytics, zero tracking pixels, zero third-party scripts. Your clients' financial data and signing behaviour is never shared with anyone. Full stop.
Yoti Sign's identity verification is a genuine asset for KYC-adjacent signing workflows. But financial institutions need the full picture — vaulted document storage, tamper-evident seals, and compliance frameworks that cover the document lifecycle, not just the signer's identity. RatiVault provides that complete picture.
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