Identity verification (IDV)

Identity verification is the act of validating a user’s identity by checking data points—like ID documents, biometrics, or third-party databases—against their claimed identity. The process ensures that the user is real, not a bot, duplicate, or imposter.

The most effective online identity validation combines document verification, biometric comparison (like a selfie), and liveness detection to ensure the person is present and real. Some systems also include passive checks—such as device fingerprinting or geolocation—to enhance accuracy without adding friction.

IDV is essential for preventing fraud, especially in industries like banking, e-commerce, and crypto. It also ensures regulatory compliance with laws like AML, GDPR, and the INFORM Consumers Act. For users, it provides assurance that the platform is secure and serious about protecting their data.