Two-Factor Identity Confirmation
Trusted by UK fintechs, banks and regulated firms, Two-Factor Identity Confirmation is engineered for accuracy, speed and audit-readiness.
Overview
Two-Factor Identity Confirmation is part of our UK KYC Verifier suite, engineered for businesses that need to onboard, screen and monitor customers without compromising on speed or compliance. The service is delivered through an API-first platform with hosted pages, mobile SDKs and webhooks, so it slots into any UK onboarding journey.
Cross-reference document, biometric and address into one identity score. The check is benchmarked against authoritative UK reference data and validated against a 2.4 million-record uk truth set with 99.6% accuracy. Every result is returned with a confidence score, the underlying evidence, and a signed audit log that satisfies FCA, HMRC and UKGC reviews.
What makes Two-Factor Identity Confirmation different from a generic vendor check is its UK focus. We are not a US tool with a UK plug-in — our document templates, address sources, sanctions feeds and human reviewers are all UK-native. That focus produces materially higher accept rates for legitimate UK applicants while still rejecting the synthetic, tampered and stolen identities that drive fraud losses in the UK market.
How Two-Factor Identity Confirmation Works
- 1
Capture
Your customer uploads or chips-in the required evidence through our hosted page, native SDK, or your own UI via our REST API.
- 2
AI Analysis
Our models extract, parse and forensically inspect every artefact — checking holograms, MRZ, NFC chip data, document templates and font kerning against a 240-country reference set.
- 3
Cross-Reference
We cross-reference the result against authoritative UK sources, sanctions lists and our internal fraud graph, raising flags on any inconsistency.
- 4
UK Human Review
Edge cases route to a UK-based analyst who applies your risk policy. Most reviews close in under 30 minutes during UK business hours.
- 5
Decision & Audit Pack
You receive a clear pass/refer/fail decision plus a signed, time-stamped audit pack ready for FCA, HMRC or UKGC inspection.
UK Documents Required
- Photo ID accepted on the UK Home Office list
- A live selfie or short video for liveness
- Optional NFC chip read where the device supports it
- Consent to process biometric data under UK GDPR
Turnaround & Accuracy
Real-time API response in under 30 seconds; manual review SLA of 4 working hours.
Achieves a false-acceptance rate of under 0.05% across UK demographics.
UK Compliance Standards
How This Verification Helps You
- Avoid the reputational damage of high-profile onboarding failures featured in the UK financial press.
- Lower fraud losses by surfacing tampered documents and synthetic identities before they ever reach your portfolio.
- Replace brittle in-house checks with an SLA-backed, FCA-aligned UK service.
- Generate a defensible, regulator-ready audit trail for every UK customer you onboard.
UK Industries That Use Two-Factor Identity Confirmation
UK Crypto Exchanges
FCA-registered crypto firms use identity verification to satisfy the Travel Rule and MLR 2017 obligations.
UK Insurance
Insurers verify policyholders at quote and claim stages to reduce fraud and meet FCA conduct rules.
UK Healthcare
Private clinics and NHS partners use identity checks to bind a person to a clinical record.
UK Marketplaces
Two-sided marketplaces verify both buyers and high-risk sellers to protect platform integrity.
Frequently Asked Questions
Yes. Two-Factor Identity Confirmation is designed around the FCA Handbook, JMLSG guidance and the Money Laundering Regulations 2017. Every decision ships with the evidence and audit trail your MLRO needs.
Real-time API response in under 30 seconds; manual review SLA of 4 working hours. You can wire the decision to your back-office via webhook so there is no manual polling.
The check uses photo id accepted on the uk home office list and a live selfie or short video for liveness, plus authoritative UK reference sources. We never rely on a single signal — every decision is the product of multiple independent checks.
All data is encrypted in transit and at rest with AES-256, processed inside ISO/IEC 27001-certified UK and EU regions, and retained only for as long as your legal obligations require. Customers can exercise UK GDPR subject-access rights through our self-serve portal.
Yes. We provide a REST API, mobile SDKs for iOS and Android, a no-code hosted page, and pre-built connectors for the most common UK CRM and onboarding platforms.
Related UK Services
Request Two-Factor Identity Confirmation
A specialist will scope the work and send you a tailored UK quote within 24 hours.