European Solution
Identity Verification solution
Our European Identity Verification solution provides the framework for building compliant solutions across European countries. Fully compliant with the Dutch implementation of the 5AMLD — the Anti-Money Laundering and Anti-Terrorist Financing Act (Wet ter voorkoming van witwassen en financieren van terrorisme, Wwft) — it offers a proprietary, bank-grade, end-to-end solution designed for minimal friction.
For customized Identity Verification solutions in France, Germany, Italy, Spain, Portugal, or the UK, see our dedicated pages and integration guides. Each solution complies with local regulations and anti-money-laundering legislation.
Flow
The flow is as follows:
Modules
It comprises three client-facing modules, followed by case processing:
| Module | Description | Required |
|---|---|---|
| Document module | This module ensures that you onboard clients with valid, authentic, and uncompromised identity documents. If a client cannot pass the document check, we provide clear reason codes for optimal user feedback. |  |
| Document Photo | The client provides photos of their identity document. We verify visibility and authenticity and extract document data. | |
| Document Liveness | We record a 10-second video of the identity document to check security features and authenticity. | |
| Document NFC | We verify the NFC chip embedded in the identity document and extract and validate its data. |  |
| Secondary Document | If required by local regulations, the client provides an additional identity document. | |
| Tax Number | If required, we capture the client’s TIN and related tax information. | |
| Biometrics module | This module analyzes facial traits to confirm the client is who they claim to be. If the client cannot pass the selfie check, we provide clear reason codes. | |
| Selfie Photo | We compare a selfie with the portrait on the identity document. | |
| Selfie Liveness | We record a video of the client turning their head to confirm live and voluntary participation. | |
| Selfie Audio | We record audio during the selfie flow to help detect coercion or third-party interference. | |
| Location module | This module verifies the client’s physical location and home address to prevent fraud. | |
| Digital Proof of Address | We validate device geolocation and metadata and compare them to the provided home address. | |
| Physical Proof of Address | We match the provided address against an uploaded official document, such as a utility bill. | |
| Geolocation | We verify that the client’s device location is valid and not in a prohibited country. | |
| Case Processing | Fourthline processes the case in the Case Review Portal. AI performs the initial review, followed by human review if required. | |
Next steps
Explore the Identity Verification integration guide and technical manual.
To experience the user journey, download the test app from:
Updated 29 days ago