Identity verification flows

Mosaic helps businesses verify the identity of their customers. Depending on the use case, it can be done using government-issued ID documents or face biometrics.

Document verification

The document verification process allows you to securely verify the identity of your customers using documents like their driver’s license or passport. Mosaic performs verification checks that validate the authenticity of the document, biometrically match the current user with the photo in the document, and assess the risk of the current session.

Once the process is completed, all the verification checks are processed to create an aggregated result so you'll know how to proceed (see Verification result). After a successful check, you can enable your customers to perform further operations, for example, allow them to register in your app or open a new bank account online.

Face authentication

Face authentication allows your app to reliably confirm a customer's identity by biometrically matching a selfie to a reference vector stored by Mosaic. Face biometrics can be registered early in the onboarding procedure while face authentication can be introduced as a login or recovery option in case of high-risk operations like money transfers or account changes.

In this flow, Mosaic verifies the liveness of the user's selfie to ensure this is a live person and then compares the user's selfie to a reference image vector previously collected by Mosaic (see Selfie & liveness check). Once the process is completed, all the verification checks are processed to generate a recommendation. After a successful check, the user gets authenticated in your app and you can enable them to proceed with the action they requested in your app, for example, to reset their primary email address.