Consumer KYC
Verify a real person from the details they type
Name, address and date of birth, cleaned and checked against credit, utility and public records.
Combine it with other Monnai products in one API call
Proof before you signTest Consumer KYC on your own data.
- 1Send past applications
- 2We run every check, detail by detail
- 3Your report in 5 business days
How Consumer KYC works
What your customer types, how Monnai cleans it, the trusted records it is checked against, and the answer.
They type
- NameMa. José García L.
- AddressAv. Paulista 1000, SP
- Date of birth14/03/1991
We clean
- NameMaría José García López
- AddressAvenida Paulista, 1000, São Paulo
We check
- Credit recordsAgree
- Utility recordsOlder address
- Public recordsAgree
You get
- NameMatch
- AddressPartial match
- Birth dateMatch
One real person
They type
- NameMa. José García L.
- AddressRua Augusta 50, SP
- Date of birth14/03/1991
We clean
- NameMaría José García López
- AddressRua Augusta, 50, São Paulo
We check
- Credit recordsAgree
- Utility recordsNot found
- Public recordsOther name
You get
- NameMatch
- AddressNo match
Doesn’t add up
Get an answer from several trusted sources
Each source confirms what it holds; together they show one real person.
| Data source | What it confirms |
|---|---|
| Credit records | Name, address, date of birth |
| Utility records | Name and address: a sign the address is really lived in |
| Public records | Name, date of birth (varies by country) |
Confirm one real person
Instead of document checks that add friction for real customers, Consumer KYC checks what they typed.
- No documents.Checks the name, address and date of birth your customer typed.
- Many trusted sources.Credit, utility and public records.
- One real person.Confirms the details belong together, not just that each one exists.
- Partial matches shown as partial,so you decide.
- Covered markets.Country by country, where the records exist: see the coverage page.
Compare it with a typical document check
Where a typical document check stops, and what Consumer KYC adds.
| Typical document check | Monnai Consumer KYC | |
|---|---|---|
| Customer effort | Upload a document | Nothing extra |
| What it checks | The document looks real | The details belong to one real person |
| Answer | Pass or fail | Match, partial or no match, per detail |
Use it for
The decisions Consumer KYC helps with most.
- Account opening
- Lending
- Address checks
- Synthetic identity
Combine it with
Consumer KYC works on its own, and with these through the same API call.
- Government KYCTyped details, checked against official records.
- Identity EnrichmentShorter forms, and identities that add up.
- Risk ScoreOne score from 0 to 999, with its top reasons.
Get answers about Consumer KYC
What is consumer KYC?
Consumer KYC checks the name, address and date of birth your customer types against trusted consumer records, and confirms the details belong to one real person, with no documents.
Which records do you check?
Credit, utility and public records, depending on the country. Utility records are a sign the address is really lived in.
What does a partial address match mean?
Part of the address matches and part doesn’t, for example an older address in one source. Monnai shows it as partial, so you decide.
Which decisions does Consumer KYC help with?
Account opening, lending, address checks and synthetic identities. It works on its own, or in the same API call as Government KYC, Identity Enrichment and Risk Score.
Does my customer need documents?
No. Your customer types a name, an address and a date of birth. Monnai cleans them and checks them against credit, utility and public records.
Can we test Consumer KYC on our own data?
Yes, and we’d rather you did. Send past applications or transactions: we score them offline, with no integration on your side. Your full report comes back within 5 business days.
Can non-documentary identity verification catch synthetic identities?
It helps. A synthetic identity mixes real and made-up details, so each one may exist on its own. Consumer KYC confirms the details belong together, to one real person: a name that matches but an address no record confirms doesn’t add up.
How is Consumer KYC different from Government KYC?
Government KYC checks the name, date of birth and ID number against official identity records. Consumer KYC checks the name, address and date of birth against credit, utility and public records, and confirms they belong to one real person. Use them together in one call.
Proof before you sign. Test Consumer KYC on your own data.
A test on your own data in 5 business days, with results measured on production traffic.