The loan goes to the person it is issued to
Leaked passport data is not enough. Require the live owner in front of the camera and match their face to the document - a fraudster with someone else's passport cannot get the loan.
Sound familiar?
The application went through: passport data correct, scoring green, money sent to the card. A month later the person the loan is registered to calls — they took out nothing. Their passport data leaked, and a fraudster took out a microloan in their name.
Now it’s your problem: the money went to the wrong person, the victim files a complaint, and the regulator asks how you verified the borrower. Checking passport data doesn’t help — the data is genuine. One thing is missing: confirming the owner is the one behind the screen.
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Apply from a smartphone
The client completes document and selfie checks without visiting an office. Tune the flow to your risk profile, without extra friction for honest borrowers.
A stolen passport will not pass
Liveness and face match filter photos, video, masks and deepfakes. A stranger's face cannot match someone else's data.
mfo.outcomes.mmTag1An audit trail for the regulator
Every verification is recorded: document data, liveness evidence, photos and session events.
Face matching you can trust on the line
Face-search algorithms rank among the world's strongest in NIST. A 1:N search takes 1.5-2 seconds. Information security is certified to ISO/IEC 27001 No. 760281.
A live borrower - not a photo or deepfake
The system confirms a live person is in front of the camera. You set the decision threshold for your loan risk.
Liveness detects photos, video, masks and deepfakes. Leaked passport data alone is not enough to issue a loan.
One face - not ten applications
Face Search 1:N finds repeat faces in your database in 1.5-2 seconds, making multi-account risk visible before the loan is issued.
A suspicious device is visible on the application
Use device and session signals to identify repeated attempts, an unusual context or signs of unauthorized access. Combine them with face checks before a decision.
Add AML screening only when your flow needs it
Sanctions and PEP screening is an optional check in the same request. Keep the core loan flow focused on document, liveness, face match, Face Search 1:N and device signals.
Three steps to a decision
Document
The client captures a passport or ID; document fields are read automatically.
Liveness and face match
The selfie is matched to the document photo. Face Search 1:N and device signals run in parallel.
Decision
Receive approve, reject or review - with the reason - via API and in the session card.
Optional AML
Add AML screening to the same flow only when it is required.
No-code flow builder - or API
Build a loan flow in Flow Builder with no code, share it by link or QR, or integrate REST API and webhooks with your scoring. For a private deployment, biometrics stay in your perimeter.
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mfo.faq.h2
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A short demo tailored to your application flow: decide which checks you need before issuance. Or start with 500 free checks - no card.