Identity Verification (KYC)

VeriPlus provides comprehensive Know Your Customer (KYC) identity verification to help you onboard customers securely while meeting regulatory compliance requirements.

Overview

Our identity verification solution combines:

• Document Verification: Government-issued ID authentication
• Biometric Checks: Facial recognition and liveness detection
• Data Extraction: Automated OCR for personal information
• Risk Assessment: AI-powered fraud detection

Verification Methods

1. Document Verification

Upload and verify government-issued identity documents with photo.

What We Check:

• Document authenticity (security features, holograms, watermarks)
• Document validity (not expired, not tampered)
• Photo quality and consistency
• Data extraction accuracy

Supported Documents:

• Passports
• National ID cards
• Driver licences
• Residence permits
• Visa documents

Learn more about Document Verification →

2. Non-Document Verification

Verify identities using database checks without requiring ID documents.

What We Check:

• Credit bureau data
• Electoral roll verification
• Phone number validation
• Email validation
• Address verification

Learn more about Non-Document Verification →

3. Biometric Verification

Enhanced security using facial biometrics and liveness detection.

What We Check:

• Face match (selfie vs. document photo)
• Liveness detection (real person vs. photo/video)
• Age estimation
• Deepfake detection integration

Learn more about Biometric Checks →

Verification Workflows

Create custom verification profiles to match your risk appetite and compliance requirements.

Standard Workflows

Learn about Verification Profiles →

How It Works

Step 1: Create Applicant

const applicant = await fetch('/api/v3/applicants', {
  method: 'POST',
  body: JSON.stringify({
    type: 'individual',
    firstName: 'John',
    lastName: 'Doe',
    dateOfBirth: '1990-01-15',
    email: '[email protected]'
  })
});

Step 2: Initiate Verification

const verification = await fetch('/api/v3/verifications', {
  method: 'POST',
  body: JSON.stringify({
    applicantId: applicant.id,
    type: 'document',
    workflowId: 'standard'
  })
});

Step 3: Collect Documents

Send verification link to applicant via email/SMS:

await fetch(`/api/v3/verifications/${verification.id}/send-link`, {
  method: 'POST',
  body: JSON.stringify({
    method: 'email'
  })
});

Step 4: Review Results

const results = await fetch(`/api/v3/verifications/${verification.id}`);
 
// Results include:
// - status: 'approved', 'manual_review', 'rejected'
// - riskScore: 0-100
// - documentValidity: boolean
// - faceMatch: 0-100%
// - extractedData: { name, dob, documentNumber, ... }

Extracted Data

VeriPlus automatically extracts personal information from identity documents:

Data Validation

We automatically validate extracted data against:

• Your Input: Compare extracted data with applicant details you provided
• Database Records: Cross-check with credit bureaus and public records
• Document Consistency: Ensure all document pages match

Verification Status Flow

Created → Submitted → Processing → Completed
                                  ↓
                            Manual Review ← Approved
                                  ↓
                             Rejected

• Created: Verification initiated but documents not submitted
• Submitted: Documents uploaded, awaiting processing
• Processing: AI analysing documents (5-30 seconds)
• Completed: Results ready
• Manual Review: Requires human decision
• Approved: Passed all checks
• Rejected: Failed critical checks

Risk Scoring

Every verification receives a risk score from 0-100:

Risk factors include:

• Document authenticity score
• Face match confidence
• Liveness detection result
• Data extraction quality
• Historical fraud patterns

Compliance Features

Audit Trail

Every verification creates a complete audit trail including:

• Timestamp of each action
• User who performed action
• IP address and device information
• Documents uploaded
• AI analysis results
• Manual review decisions

Data Retention

Configure data retention policies to meet GDPR and local regulations:

• Standard: 7 years (AML requirement)
• Minimal: 90 days (right to be forgotten)
• Custom: Set your own retention period

Consent Management

Collect and store user consent for:

• Identity verification
• Data processing
• Third-party checks
• Marketing communications

Integration Options

Dashboard (No-Code)

• Send verification links via email/SMS
• Manual document upload
• Real-time status updates
• One-click approvals

API Integration

• Full REST API for automation
• Webhooks for real-time events
• SDKs for popular languages
• Sandbox environment for testing

White-Label

• Embed verification flow in your app
• Custom branding and styling
• Your domain name
• Seamless user experience

Best Practices

1. Use Standard workflow by default - Good balance of security and UX
2. Send verification links - Better image quality than manual uploads
3. Review data mismatches - Don't auto-approve if alerts are present
4. Enable liveness for high-risk - Prevent fraud with deepfake detection
5. Export PDFs for audits - Maintain compliance documentation
6. Set appropriate expiry - Verification links expire after 7 days

Common Use Cases

Financial Services

• Customer onboarding for bank accounts
• Loan applications
• Investment account opening
• Compliance with KYC/AML regulations

Cryptocurrency

• Exchange registration
• Wallet verification
• Travel Rule compliance
• High-value transaction approvals

Gaming & Gambling

• Age verification (18+, 21+)
• Responsible gambling checks
• Bonus abuse prevention
• Regulatory compliance

Healthcare

• Patient identity verification
• Insurance verification
• Prescription validation
• HIPAA compliance

Credit Costs

Next Steps