Биометрическая верификация

Биометрия — modern layer в KYC, обеспечивая что real person владеет документами.

Face matching

Selfie сравнивается с фото на документе. Deep learning модели: 99%+ accuracy. Различные условия lighting. Robustness к aging, glasses, beard changes. FaceNet, ArcFace архитектуры. Проходной score >85% typically.

Liveness detection

Passive: анализ single selfie без user action. Active: user performs actions (blink, turn head). 3D depth analysis. Anti-spoofing: photos, videos, masks, deepfakes rejection. Continuous evolution как fraud techniques progress.

Video KYC

Live video call с agent. High-touch, но best-in-class fraud prevention. Regulatory requirement в некоторых juris (India). Recording retained. High cost per session ($3–15). Selective usage для high-risk cases.

Privacy

Biometric data — sensitive category GDPR. Explicit consent required. Retention limitations. Purpose limitation. Right to delete. Cross-border transfer restrictions. Biometric templates vs raw images storage. Comprehensive privacy notice.