The rapid proliferation of synthetic media, presentation attacks, and document forgeries has created significant vulnerabilities in Know Your Customer (KYC) workflows across financial services, telecommunications, and digital-identity ecosystems. Traditional monolithic KYC systems lack the scalability and agility required to counter adaptive fraud. This paper proposes an Agentic AI Microservice Framework that integrates modular vision models, liveness assessment, deepfake detection, OCR-based document forensics, multimodal identity linking, and a policy driven risk engine. The system leverages autonomous micro-agents for task decomposition, pipeline orchestration, dynamic retries, and human-in-the-loop escalation. Experimental evaluations demonstrate improved detection accuracy, reduced latency, and enhanced resilience against adversarial inputs. The framework offers a scalable blueprint for regulated industries seeking robust, real-time, and privacy-preserving KYC verification.

翻译：合成媒体、呈现攻击与文档伪造的快速扩散，已在金融服务、电信和数字身份生态系统中的“了解你的客户”（KYC）工作流程中造成了重大安全漏洞。传统的单体式KYC系统缺乏应对适应性欺诈所需的可扩展性与敏捷性。本文提出一种智能体AI微服务框架，该框架集成了模块化视觉模型、活体检测、深度伪造检测、基于OCR的文档取证、多模态身份关联以及策略驱动的风险引擎。该系统利用自主微智能体进行任务分解、流程编排、动态重试以及人机协同升级。实验评估表明，该系统在检测准确性、降低延迟以及增强对抗性输入鲁棒性方面均有提升。该框架为受监管行业寻求稳健、实时且保护隐私的KYC验证提供了一个可扩展的蓝图。