Layered identity verification that adapts to each applicant.
IDV / KYC is Kikoff's productized identity verification infrastructure. Connect at onboarding via API, and applicants flow through a multi-step verification waterfall — document checks, biometric matching, database lookups, and fraud signals — with routing logic that escalates only when needed.
Multi-layer verification waterfall
Verification steps escalate based on risk signals — lightweight checks for low-risk applicants, deeper verification when fraud indicators appear. Conversion stays high where it should.
Document and biometric verification
Government ID capture, liveness detection, and biometric matching confirm the applicant is who they claim to be — with automated pass/fail and manual review routing.
API-first onboarding integration
Verification runs inside your application flow via API. No redirects to third-party pages — applicants stay in your onboarding experience from start to finish.
Compliance-ready audit trail
Every verification step, outcome, and decision is logged and retrievable — meeting KYC/AML documentation requirements for examinations and audits.
Identity verification infrastructure that protects and converts.
Stop synthetic identity and document fraud at the door
Identity fraud at onboarding is costly and compounding. A layered verification waterfall catches bad actors early — before they enter your portfolio.
Verify thoroughly without adding friction
Heavy-handed KYC kills conversion on legitimate applicants. Adaptive waterfall logic applies the right level of scrutiny to each applicant — deep checks only when warranted.
KYC documentation that satisfies examiners
Regulatory requirements for identity verification are non-negotiable. Productized IDV/KYC delivers the audit trail and documentation your compliance team needs — automatically.
Enterprise-grade credit features, live within weeks.
Integrate
Connect via Kikoff's API. White-glove onboarding, sandbox testing, and compliance infrastructure included.
Reporting goes live
End users opt in inside your platform and their data starts flowing to the credit bureaus.
Kikoff handles the rest
Customer servicing, ongoing payment capture, and bureau partnerships. Your team stays focused on your product.
# Verify applicant identity during onboarding curl https://sandbox.enterprise.kikoff.com/v1/identity/verify \
-H "Authorization: Bearer $API_KEY" \
-d '{
"applicant_id": "usr_abc123",
"document_type": "drivers_license",
"selfie": true
}' # Response: 200 OK {
"verification_id": "idv_6602",
"status": "passed",
"risk_signals": []
}
Secure onboarding without sacrificing applicant experience.
Partnering with us means you focus on what you do best and let us do the building. Full, customizable functionality under your native brand experience.