ONEKYC // INDUSTRY_08[ LEND · BNPL ]
FOR LENDING AND BNPL
Borrower
verification
LendingBNPLMicroloansInstallments
Fast borrower verification, anti-fraud and screening — more approvals without more risk. For lending, BNPL and installments.
> LOAN REQUEST _
SYS.01 // BORROWER
Who the borrower is
and whether they're real
Accurate identity and synthetic filtering at the entrance — the foundation of approvals without rising defaults.
01[ IDENTITY ]
Borrower identity
Document, selfie and liveness in minutes — accurate identity as the foundation of scoring.
livenessNFC
02[ SYNTHETIC ]
Synthetics & fraud
Device fingerprint, duplicates and links — filtering out synthetic and stolen identities.
synthetic IDduplicates
03[ DATA ]
Address & data
Address confirmation and registry checks for assessment and regulatory requirements.
PoAeIDV
SYS.02 // RISK
RISK // DECISION
More approvals —
without more risk
Clean data at the entrance and synthetic filtering deliver up to 3x approvals and −40% defaults — a decision in seconds.
SANCTIONS01
Sanctions & PEP
Screening the borrower against sanctions lists and the PEP database.
DUP02
Duplicates
Finding repeat applications and linked accounts.
SOF03
Source of funds
Confirming data for assessing creditworthiness.
MONITOR04
Monitoring
Re-checks and alerts on changes to the borrower's risk.
SYS.03 // INTEGRATION
Integrate however you like
01SDK
Mobile SDK
iOS, Android, React Native and Flutter — native application.
02WEB
Web SDK
Embeds into a BNPL checkout or a loan application.
03API
REST API
HMAC, 30+ webhooks and Swagger — integration in a day.
04SCORE
Scoring hooks
Pass check results into your scoring engine.
05FLOW
No-code Workflow
Build borrower verification from steps and conditions with no code.
SYS.04 // FLOW
The borrower journey
01
Application
The borrower applies for a loan or BNPL.
02
Identity
Document, selfie and liveness in minutes.
03
Anti-fraud
Synthetics, duplicates and device.
04
Scoring
AML and a risk decision in seconds.
05
Approval
More approvals without rising defaults.
DEPLOY // LENDING
Approve more
borrowers