Confirm the person signing before the money moves
Any government ID and a short selfie, checked against the application you already hold.
Stop a fake or borrowed ID before you fund.
Nothing about the person is taken on the application’s word.
A fake or altered ID is caught up front
Fabrication and tampering signals are read off the file itself, and an expired document is caught with them.
Every detail is checked against your application
Name, date of birth and address are compared to the file you already hold, and a disagreement comes back as the named field.
The live face has to match the card
A real person, captured in three poses, then matched to the portrait on the ID, so a stolen document fails.
A real identity, not just a real card
The details are verified against official records, including the social security number when you hold one.
Verify whatever ID your applicant already carries.
Government photo identification, photographed front and back in the same flow, with no document type for your team to choose between.
Driver’s license
Front and back, from any US state.
State ID card
For an applicant who does not drive.
Passport
The photo page, with its machine-readable zone.
Residence card
For a permanent resident without a state license.
Early access starts with US driver’s licenses and state ID cards.
Evidence you can review, and nobody can walk away with.
The ID photo and the SSN are the most sensitive things in any file, and both are handled like it.
Photos your team can see, not keep
Viewable in the case for a review, never downloadable, fetched through a role check on every view.
The SSN is used, not kept in the open
Encrypted at rest, forwarded only for the record check, and never echoed back in any response.
Every attempt is on the record
Results are appended, never overwritten, each with a snapshot of the run that produced it.
Clears in the same link as every other stip.
No second vendor and no second link for the customer, and the result lands where the rest already does.
See the whole stip list clear at onceEverything else the deal needs before funding.
The same request covers the paperwork and the coverage, so the package completes in one pass.
Diligence questions, answered plainly.
What the applicant does, what is supported today, and who can see what.
01What does the applicant actually do during identity verification?
They open the same secure link they already use for the rest of the stip, photograph the front and back of their ID, and take a short selfie in three poses. The application’s own details are carried in behind the scenes, so nothing is typed and nothing is asked twice. The whole step takes about a minute.
02Which identity documents are supported?
Government-issued photo IDs, photographed by camera in the applicant flow. Early access starts with US driver’s licenses, and further government ID types follow.
03What happens when a field disagrees with the application?
The disagreeing field is named, with what the application said next to what the document says, and the file routes to review. The other modules keep running and the stage advances, so one doubtful field never stalls the deal.
04Can an identity check be re-run?
A capture that produced nothing usable can be retaken by the applicant up to two times, and your team can reset a finished file up to three. Every attempt stays on the record as its own result, with a snapshot of the run that produced it.
05Who can see the ID photos, and where do they live?
Access is role-based (RBAC): a teammate sees them only if their role allows it, and every view passes that check. They are never downloadable, and they are encrypted at rest in storage Kora controls. The SSN, when the application carries one, is encrypted at rest as well, used only for the record check, and never shown back.
Put identity on your funding checklist.
Talk to us about early access: tell us what your funding package requires, and we’ll show you what comes back on the person — the graded verdict, the field matches, and the evidence behind them, on the same case as income and employment.