Non-Doc verification

Verify identity using authoritative data sources and possession signals, no document scan required.

---

Overview

Non-document verification is the catch-all for methods that establish a user's identity without asking them to capture a passport, driver's license, or national ID card. Instead of extracting attributes from a document image, these methods rely on authoritative data sources government registries, credit bureaus, mobile network operators, national eID schemes to confirm the user is who they claim to be.

The trade-off versus document verification is straightforward: lower friction and faster completion, in exchange for narrower geographic coverage and (usually) lower assurance. For the right use cases, that's an obvious win. For others, document capture is still the right answer. This page covers when to reach for non-document methods and what's in the toolbox.

How it works in general

The exact flow depends on the method, but the shape is consistent:

1

The user provides an identity anchor

The user enters one or more attributes — typically a national identifier (SSN, national ID number), a phone number, or authenticates with an existing credential (eID, bank login). No camera, no document upload.

2

The platform queries an authoritative source

The submitted anchor is checked against the corresponding source of truth: the SSA for US SSNs, a credit bureau for attribute matching, a mobile network operator for phone-based intelligence, or a government/bank eID provider for federated identity assertions.

3

The source returns a verification signal

The response is either a yes/no match, a probabilistic match score, a signed identity assertion, or a fraud/risk signal depending on the source. The platform aggregates whatever was returned into a structured result.

4

Optional supplementary checks run

The flow can layer additional signals on top possession (OTP, silent network authentication), behavioural fraud indicators, or a lightweight biometric. These don't replace the primary check, but they reinforce assurance.

Methods in this category

Method	What it checks	Geographic fit
eID	Government-issued or bank-issued electronic identity (eIDAS, BankID, MitID, itsme, FranceConnect, and similar). Returns signed verified attributes at the scheme's assurance level.	Strong in EU, Nordics, Benelux, Baltics; limited elsewhere.
SSN verification	Matches a US Social Security Number plus name and DOB against authoritative sources (eCBSV from SSA, credit bureau attribute matching, death indicator, issuance-date check).	US only.
Phone-based verification	Mobile carrier intelligence (line type, tenure, SIM-swap, port-out, subscriber name/address) combined with possession checks (OTP, silent network authentication, voice call).	Global, with richest data in markets where MNO data sharing is mature.