Mobile KYC
The mobile operator confirms the number belongs to your customer. Silent: no code, no app.
Combine it with other Monnai products in one API call
Proof before you signTest Mobile KYC on your own data.
Your customer types a name and a number, sees nothing else, and the operator’s record answers.
They type
We clean
Operator record
You get
Verified
They type
We clean
Operator record
You get
Not their number
The mobile operator’s own records confirm who holds the number.
| Data source | What it confirms |
|---|---|
| Mobile operator records | The account holder’s name, and that the number is on record |
| Date of birth | Where the operator holds it |
Where a one-time code proves someone holds a phone right now, Mobile KYC proves the number is registered to them.
Where a one-time code stops, and what Mobile KYC adds.
| One-time code | Monnai Mobile KYC | |
|---|---|---|
| Customer effort | Wait for a code and type it | Nothing |
| What it proves | The phone is in their hand now | The number is in their name |
| Stolen details and a borrowed phone | Pass | Fail the name check |
The decisions Mobile KYC helps with most.
Mobile KYC works on its own, and with these through the same API call.
How a payments leader uses Mobile KYC.
Mobile KYC checks that a phone number is registered to your customer, from the mobile operator’s own records. Name, number and date of birth come back as match, no match or not held.
A one-time code proves someone holds the phone right now. Mobile KYC proves the number is in their name, silently: no code, no app.
Country by country, where operators hold the records. The coverage page shows how far each product goes; ask us about your markets.
The account holder’s name and that the number is on record, and the date of birth where the operator holds it.
No. Mobile KYC is silent: no code and no app. Your customer types a name and a number and sees nothing else.
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.
Stolen details can pass a record check, and a borrowed phone can pass a one-time code. Mobile KYC compares the name with the operator’s account holder: when the number belongs to someone else, the name check fails before the account opens.
Mobile KYC matches the person, not the spelling. Names are cleaned before they are compared with the account holder: titles, accents, initials, double surnames and word order. So “Ma. José García L.” and “García López, María José” read as the same name.
A test on your own data in 5 business days, with results measured on production traffic.
