Верификация документов

Document verification — technical core KYC process, обычно outsourced к specialized providers.

Types

Passport: universal, biometric chip читается. Driver's license: most common domestic. National ID: EU stanвдарт. Residence permit для non-citizens. Utility bills для address verification. Multiple documents required обычно.

Verification checks

Authenticity: forgery detection. Data extraction: OCR названий, dates. Cross-check: data consistency. Government database validation где возможно. Expiration checks. Face matching against selfie. Liveness detection.

Providers

Onfido: market leader. Sumsub: strong в EU, MENA. Jumio: enterprise. Veriff: modern UX. IDnow: German. Persona: developer-friendly. Costs: $1–$5 per verification. Quality varies по document type и region.

Automation vs manual

Auto-approve: high confidence, no red flags. Manual review: edge cases, low confidence. SLA: real-time (<1 min) для straightforward. Manual: same day for review queue. Team size: 1 reviewer per 200–500 daily verifications.