KYC, KYB & Identity · Use case

Onboard consumers with a document and selfie

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Short answer

The customer photographs an ID document and takes a liveness selfie; the provider checks the document, matches the face and returns a decision based on your rules. What separates providers is coverage of your customers' documents, resistance to spoofing, and how cleanly the hard cases reach manual review.

What this use case is

The customer photographs an ID document and takes a liveness selfie; the provider checks the document, matches the face and returns a decision based on your rules. What separates providers is coverage of your customers' documents, resistance to spoofing, and how cleanly the hard cases reach manual review.

Who builds this

Neobanks and wallets
Crypto platforms
Lenders
iGaming
Marketplaces with high-risk sellers

What your customer sees

  1. 1Chooses document type
  2. 2Photographs the document
  3. 3Takes a short selfie video
  4. 4Gets a decision in the app, or a message that the check is under review

How KYC, KYB & Identity solves it

1

SDK guides document capture with quality checks

SDK guides document capture with quality checks

2

Document authenticity checked

Document authenticity checked

3

Data extracted and validated

Data extracted and validated

4

Liveness check confirms a real person is present

Liveness check confirms a real person is present

5

Face matched to the document photo

Face matched to the document photo

6

Rules produce accept, reject or review

Rules produce accept, reject or review

7

Manual review for edge cases

Manual review for edge cases

8

Result and evidence stored for audit

Result and evidence stored for audit

Want to have

  1. Document coverage for your markets
  2. Liveness detection
  3. Face matching
  4. Configurable decision rules
  5. Manual review queue
  6. Audit trail
  7. Mobile and web SDKs

Optional

  1. NFC chip reading
  2. Database cross-checks
  3. Age estimation
  4. Re-verification for returning users

Design decisions

Automation level

Fully automated
Automated with review
Review-heavy

conversion and cost versus risk.

Capture UI

Provider's SDK
Your own UI

speed versus brand and conversion control.

What to put in your RFP

Coverage

  • countries
  • document types

Checks

  • liveness standard
  • face match
  • NFC

Decisioning

  • rules
  • thresholds
  • review tooling

Data

  • retention
  • residency

Commercials

  • price per completed check
Add these to an RFP

How to evaluate providers for this use case

  1. 1Completed onboardings on a test sample
  2. 2Spoofing resistance
  3. 3Review tooling
  4. 4Cost per completed onboarding

Pitfalls

  • Judging on vendor-quoted pass rates
  • Poor capture guidance causing retries
  • Retaining biometric data longer than needed

What providers will ask you

  1. Customer countries
  2. Monthly volumes
  3. Risk appetite
  4. Licence holder requirements

Other Finlane categories that cover parts of this

This use case is solved mainly with KYC, KYB & Identity. These categories cover specific parts of it and can be tendered alongside it.

Fraud & AML Monitoring

Fraud signals after onboarding

RegTech & Compliance Ops

Case handling and record keeping

Banking-as-a-Service

Accounts that need verified customers

Frequently asked questions

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Scope onboard consumers with document + selfie with KYC, KYB & Identity providers

Scope this use case