if we want to be precise about this, what are we actually optimizing for here with a unified kyb like in kea lower manual review rate, fewer failed payouts, or faster go‑live for new entities? right now “volume threshold” sounds a bit fuzzy. are we talking monthly processed value, number of active entities, or how many regions you’re in before the current stack starts to crack? if you can share rough ranges for ops load and regions, it’s easier to say when a kea style setup really pays off