Innovation that turns compliance into a competitive advantage

verifID’s patent-pending stack blends risk-adaptive policies, verified identities, and provable audit trails.

Our approach unifies three pillars: RUPF (Risk-Adaptive User Profile & Fast-Fail) to stop bad actors early with minimal friction; Financial ID to create a portable, verifiable identity that shortens onboarding across institutions; and Biometric Onboarding to combine liveness, document authenticity (OCR/MRZ), and face match into a single, auditable decision. Together, these capabilities let you operate in highly regulated sectors while improving conversion, reducing fraud, and maintaining signed, time-stamped evidence for regulators.

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Patent-pending innovations overview
RUPF

RUPF (Risk-Adaptive & Fast-Fail)

Early risk signals (device, behavior, contact) to approve fast, challenge smartly, or stop instantly—with full audit context.

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Financial ID

Financial ID

A portable, verifiable identity profile that accelerates onboarding and re-use across institutions—under user consent.

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Biometric Onboarding

Biometric Onboarding

Liveness + doc authenticity + face match in one flow; signed logs provide regulator-grade evidence by decision.

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Risk-adaptive screening

RUPF: Risk-Adaptive Profile & Fast-Fail

Orchestrates early signals (device fingerprint, velocity, geovelocity, email/phone intelligence, behavioral cues) to determine whether to approve, trigger step-up (liveness/doc), or fast-fail instantly—preserving user experience for good actors.

  • Policy engine by market, product, and risk appetite
  • Device & contact reputation with configurable thresholds
  • Signed, time-stamped decision trail for audits
  • Continuous feedback loop to reduce false positives
See RUPF in action
Portable Financial ID

Financial ID: Portable, Consent-Based Identity

Establishes a reusable identity record backed by biometric proof and verified attributes. With user consent, institutions can reuse verified claims to accelerate onboarding and reduce repetitive checks—while keeping full governance.

  • Verifiable claims (KYC, address, device trust)
  • Consent & revocation controls; retention policies
  • Interop via APIs; optional W3C credentials
  • Proven drop-off reduction and faster time-to-approve
Explore Financial ID
Biometric onboarding flow

Biometric Onboarding: Liveness + Doc + Face Match

A single, guided flow that performs passive/active liveness, document authenticity with OCR/MRZ, and face comparison. Decisions are captured with cryptographic evidence for regulator-grade audits.

  • Step-up challenges only when risk warrants
  • Anti-spoofing and tamper detection
  • Localized UX; SDKs for iOS/Android/Web
  • Full auditability with signed logs
See the onboarding flow

Technical Pillars

Policy Engine

Risk-based orchestration by product, geography, and channel. Approve, step-up, or fast-fail—automatically.

Signals & Scoring

Device, network, contact, and behavioral signals fused into explainable risk scores.

Audit & Governance

Signed logs, time-stamped evidence, and review workflows aligned with GDPR/ISO/FATF.

Privacy, Security & Compliance

Privacy by design with data minimization, explicit consent, encryption in transit/at rest, granular RBAC, and configurable retention. Audit-ready logs help teams demonstrate continuous compliance to regulators and internal governance.

Compliance you can prove.

Deploy patent-pending identity at scale.

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Strategic Partnership: Sumsub

Biometric verification, document checks, and risk screening at global scale—natively integrated into verifID.

verifID integrates Sumsub’s verification engine to deliver liveness, ID authenticity (OCR/MRZ), and watchlists/PEPs within a single, audit-ready workflow for insurance, finance, and government.

The result: faster onboarding, fewer false positives, and provable compliance aligned with GDPR/ISO/FATF—without sacrificing user experience.

  • Liveness & Face Match · OCR/MRZ · Anti-spoofing
  • Watchlists, PEPs & Adverse Media · Ongoing monitoring
  • SDKs/APIs & Webhooks · Global coverage · Localized UX
  • GDPR/ISO aligned data handling · Signed logs & audit trails
verifID × Sumsub Partnership