Agility Credit's Identity Verification & KYC suite provides end-to-end identity and fraud protection through a flexible, multi-source verification framework. Designed to meet evolving regulatory and fraud-prevention demands, it validates consumer identity using verified data, behavioral analytics and device intelligence — all accessible via secure API or hosted workflows. Our platform helps financial institutions, fintechs and lenders reduce risk, detect synthetic identities and stay compliant with FCRA, GLBA, AML and KYC regulations — while delivering a fast, seamless user experience.
Key Features:
- Comprehensive Identity Matching – Verify core identity elements — name, address, SSN, date of birth, phone and driver's license — against authoritative and verified data sources.
- Custom Weighting & Decision Rules – Configure match thresholds and scoring logic to align with your internal policy, risk tolerance and compliance framework. Build adaptive ID verification strategies that evolve with your fraud landscape.
- Non-Credit Out-of-Wallet (KBA) Questions – Use non-credit-based knowledge questions to authenticate identities where traditional bureau data may not apply — ideal for unbanked or thin-file consumers.
- Synthetic Identity Detection – Identify and flag high-risk patterns like inconsistent SSN usage, mismatched birth dates, alternate consumer associations, or data anomalies across linked records.
- OTP (One-Time Passcode) Verification – Add a real-time phone-based layer of authentication to confirm device possession and strengthen multi-factor identity checks.
- Device Verification – Evaluate device-level trust signals such as IP reputation, device fingerprint, location match and session integrity to detect impersonation and account takeover attempts.
- Dynamic Fraud Controls – Escalate verification steps — from lightweight ID validation to enhanced KYC or document review — based on configurable risk scoring.
- OFAC & Watchlist Screening – Automatically check identities against OFAC, AML and politically exposed person (PEP) lists for regulatory compliance.
- Customizable Integration Options – Integrate via API or use Agility Credit's hosted interface for quick deployment and an optimized consumer experience.
Benefits:
- Complete KYC Framework: All major verification layers — document, data, credentialed and behavioral — in one platform.
- Smarter Fraud Defense: Detect synthetic IDs, duplicate patterns and suspicious connections in real time.
- Configurable Risk Scoring: Custom weighting, rules and thresholds let you balance security and conversion.
- Improved Customer Experience: Streamlined verification flow with mobile-first design and OTP convenience.
- Regulatory Alignment: Meets or exceeds compliance standards under FCRA, GLBA, AML, KYC and USA PATRIOT Act requirements.
- Seamless Integration: Embed within credit, fraud and onboarding workflows for consistent decisioning.
Use Cases:
- Financial Services & Lending: Confirm customer identity before extending credit or account access.
- Fintech & BNPL: Layer adaptive KYC into digital onboarding flows for fast, compliant user verification.
- Auto & Retail Finance: Authenticate customers across channels without adding friction.
- Digital Banking & Payments: Prevent synthetic ID creation and account takeovers using data and device intelligence.
Integration & Workflow:
Agility Credit's RESTful API and hosted options support:
- Real-time identity matching and risk scoring
- Dynamic decisioning based on configurable rules and fraud weights
- Integration with device intelligence providers for layered defense
- JSON, XML and PDF outputs with full audit trail visibility
Compliance & Security:
- Fully FCRA, GLBA, AML and KYC compliant
- OFAC and watchlist checks integrated
- SOC 2-certified infrastructure
- AES-256 encryption for all data in transit and at rest
- Custom decisioning and weighting logic for compliance and internal policy alignment
- Audit logs and consent tracking for all identity verifications
Get Started:
Protect your business and customers with the industry's most adaptive identity verification and KYC platform. Agility Credit combines data, analytics and device intelligence to help you verify faster, detect smarter and stay compliant.
