How non-documentary address verification improves end user onboarding
For eligible countries, address verification on HIFI can now be completed against authoritative data sources instead of a document upload.
Until now, verifying an address on HIFI meant producing a utility bill dated within the last three months, or a lease agreement up to a year old.
That step sits after identity verification and before approval and can cause onboarding to stall. A user traveling away from home, a user whose utility bill is in a landlord's or a spouse's name, a user on a phone with no way to produce a clean scan: each has an ID in hand and no qualifying document.
According to Sumsub, roughly 80% of users can be verified from their ID alone, which leaves the rest gathering paperwork to confirm an address that is already recorded in authoritative sources.
How it works
The end user enters their address alongside their identity details. HIFI matches those details against authoritative sources, drawing on government, credit, telco, and commercial records.
Identity verification is unchanged, and the address is held to the same verification standard, met through a data source rather than a customer-supplied document.
If a match cannot be completed, the applicant escalates automatically to the standard document-based flow and is asked for a proof of address as before.
This is available for individuals and business customers, including UBOs, across 12 countries.
What this means for developers
Eligibility is resolved by country, so for users in supported countries the proof of address requirement drops out of the flow without a change on your side. Fewer required documents means fewer RFIs to chase, and fewer users who reach the last step of onboarding and stop.
→ Supported countries and matching methods: https://docs.hifi.com/v3/core/compliance/documents
FAQ
What is HIFI’s new address verification capability?
For eligible countries, HIFI can verify a user’s address against authoritative data sources, drawing on government, credit, telco, and commercial records, instead of requiring a document upload. Identity verification is unchanged, and the address is held to the same verification standard using a data source rather than a customer-supplied document.
How does authoritative-source address verification work?
The end user enters their address alongside their identity details, and HIFI matches those details against authoritative sources, drawing on government, credit, telco, and commercial records. If a match can't be completed, the applicant escalates automatically to the standard document-based flow and is asked for a proof of address as before.
Who does non-documentary address verification apply to?
It is available for both individual and business customers, including UBOs, across 12 countries.
