Fintech
Keep accounts genuine as your platform scales
Digital lenders, payment apps and wallets onboard customers entirely online. Yimi plugs into your product through an API, so verification happens inside your own sign-up and step-up journeys.
Example Lending would like to verify your identity for loan application.
Business console
Loan application · SIM-3352
- Consent recorded
- Identity data match
- Liveness check
Audit record
- 09:40Verification requested · loan application
The challenge
Fast-growing platforms need identity checks that keep pace with sign-ups and still stand up to scrutiny.
- Fully remote sign-up makes it harder to know whether an applicant is a real, single person.
- Higher-risk moments, such as a first payout or a credit increase, call for a stronger check than sign-up did.
- Engineering teams want a clean API and a test environment, not another manual review tool.
Who you onboard
The people fintech businesses need to verify
App users
Customers creating wallets, payment or savings accounts in your app.
Borrowers
Applicants for digital loans and buy-now-pay-later credit.
Merchants on payment platforms
Small businesses accepting payments, verified through the people who run them.
Example workflow
How it works with Yimi
A typical onboarding journey for this industry, configured with Yimi.
- 1
Trigger from your product
Your backend calls the Yimi API when a user signs up or reaches a step that needs verification.
- 2
In-app consent
The user agrees to the check within your journey, with the purpose shown in plain language.
- 3
Identity data matching
The standard, provider-backed match of the user's identity details.
- 4
Step-up with selfie and liveness
A stronger check for higher-risk moments, such as a first withdrawal.
- 5
Outcome back to your app
Your product receives verified, failed or review, and decides what the user can do next.
Business outcomes
What it means for your business
- Developers build and test against deterministic synthetic scenarios before going live.
- Verification outcomes arrive in a consistent format that your product logic can act on.
- Risk and support teams share one audit record for each user decision.
Capabilities
Capabilities for this workflow
Yimi provides identity verification outcomes. Your platform remains responsible for its own credit, fraud and regulatory decisions.
- Versioned API and synthetic SANDBOX
- In-journey consent
- Outcome and audit record
- Document data extraction
- Identity data matching
- Selfie capture and native face matching
- Liveness detection
Explore Yimi for fintech
Request a demo to see Yimi configured for your onboarding journey, volumes and markets.