Biometric
Biometrics for insurance

Payout — to the same person accepted at the policy

Document, liveness and face match accept the real policyholder at onboarding. Before payout — re-verification against the same reference. A fake face or deepfake never reaches the money. An honest customer issues a policy from a smartphone — without head turns or blinking prompts.

Session · insurance_onboardingPassed
Customer in widgetDocument → selfie → verdict in Session
User step · document
Document typeIdentityCard / ID
OCRextracted
In Sessiondocument data
Liveness check
Check list(No risks found)
StatusPassed
Face match
Resultmatched
Check list(No risks found)
Overview · decision
No risk flag foundSession passed automatic fraud checks
Device & browserChrome @ Windows
StatusPassed
Issue policyOperator sees verdict in Session
Sound familiar?

Policies and payouts are online — and so are the schemes

You launched remote issuance and online payouts. Into the same stream come not just honest customers: stolen documents, stand-ins, deepfakes on camera, claims filed for someone else.

Strict manual review kills conversion and buries the team in disputes. Weak control at entry and payout — you pay out on someone else’s identity. Digital growth and identity-fraud protection pull in opposite directions — both affecting loss ratios.

Sessions · policies & payoutsRisk / reject
Attempt · deepfake
Claim · deepfakeSynthetic face on camera
TabLiveness check
StatusFailed
Attempt · drop
Claim · stand-inSomeone else’s document · payout for another
Risk in SessionOperator sees rejection before payout
Genuine customer
PolicyholderDocument + liveness + policy reference
No risk flag foundAutomatic fraud checks passed
Decision in Session
Reject the schemeDo not pay out
Approve the customerPolicy / payout · Passed
How verification works

One pipeline: from policy to payout verdict

A short flow for issuance and for re-verification before payout. No promises of 'whole policy in N seconds'.

01

Document

The customer photographs a passport or ID — data is extracted automatically.

Session · documentExtracted
Document typepassport / ID
OCRextracted
In Sessiondocument fields
02

Liveness & face

Selfie: a live person and a match with the document photo. A fake face or deepfake does not pass.

Session · liveness + facePassed
Check list(No risks found)
StatusPassed
Resultmatched
03

Device

An extra risk layer — session and device: emulators, root, VPN, proxy, TOR, model and OS. Not instead of the face — alongside it.

Session · deviceChecked
Device & browserin Overview
VPN / emulator / rootchecked
Before payoutsignal in Session
04

Verdict

Approve, reject or send to manual review — into your flow via API. At payout the same pipeline matches the claimant to the policy reference.

Session · verdictapprove
DecisionApproved
Policy / payoutallowed
ApprovedCan issue policy / process payout
Before payout

Before payout — the same person as on the policy

When a claim is filed, the system re-checks liveness and matches the face against the reference collected at issuance. A stand-in, someone else’s document or a deepfake does not reach the money silently.

An honest customer is confirmed quickly. Identity substitution is cut off before payout — no field visits, no manual check of every claim.

Session · payoutPassed
Claimant
Selfie at payoutMatch against policy reference
Reference match
Resultmatched
Livenessconfirmed
Substitution
Wrong faceDoes not match the policy
RejectedDo not pay out
Decision before payout
Same personPolicy reference · payout allowed
After first verification

Verified once — then payout, portal and renewal by face

The customer already passed verification at policy issuance. For next steps — a short face confirmation, not a full document form again: claim filing, portal sign-in, renewal.

Less friction for your own customers. Rejection for an impostor under someone else’s account. One reference works across the policyholder’s lifecycle.

Session · repeat sign-inPassed
User
Selfie at payoutWithout full KYC again
Reference match
Resultmatched
Checks(No risks found)
Decision
Payoutsign-in by face
Portalsign-in by face
Renewalsign-in by face
ConfirmedPolicy reference · without full KYC
For developers

Classic integration for developers

If your team prefers to build the architecture manually — use our ready-made SDKs and API.

JS · Webview

Web SDK / Flow Widget

A ready-made JS camera component (widget) for a website or Webview inside an app / portal. Design is customizable to your brand.

JavaScriptCustom designWebview
iOS · Android

Mobile SDK

Native libraries for a mobile app: camera access and biometric micro-packet transfer even on weak 3G.

SwiftKotlinOffline-ready
Backend

REST API

Direct access to policy issuance and pre-payout match endpoints. Authorization via X-API-KEY.

RESTX-API-KEYServer-side
AI · Agents

MCP server for AI agents

AI agents connect to verification directly — without writing code. Compatible with Claude, GPT and any MCP client.

MCPClaudeAI-agents
insurance_onboarding — REST API
# Policy issuance / insurance_onboarding
POST /v1/verification/check/
Host: api.biometric.vision
X-API-KEY: sk_live_••••••••••••••
Content-Type: application/json
{ "scenario": "insurance_onboarding", "checks": ["document", "liveness", "face_match"] }
# → 200 OK
{ "decision": "approve", "live": true, "face_match": true }
Trust

One pipeline at policy and payout — no empty promises

Face match and passive liveness are linked to the policyholder’s reference: accepted at issuance — matched before payout. No regional titles, no numbers that cannot be honestly defended.

Need details on accuracy, certifications and document coverage — we’ll break them down on a demo for your flow. Below on the page — the platform facts block.

Questions & answers

Questions & answers

Because policy issuance and payout are different moments. Between them the claimant can be substituted. Re-matching against the policy reference closes that gap.

500 checks a month free

Test it on your own policy and payout flow

Connect the API, run policy issuance and a payout claim on your scenarios. No card — 500 checks a month free.

Numbers and facts

433+
Document typesSupport for passports and hundreds of other document types worldwide
180+
Supported countriesGlobal coverage for verification across jurisdictions
40 sec
Onboarding timeUser registration and verification in under a minute
99%
Technology accuracyHigh-precision AI-based recognition and document verification