Features
Eighteen building blocks of one check. Each writes its result and evidence into the same application, so the summary explains why the borrower received that particular recommendation.
Report authenticity
The bureau report is verified as a document: electronic signature, QR code, PDF metadata and bureau template. Only then is data read from it.
Bureau signature verification
The report’s electronic signature is verified against the government certificate authorities of the bureau’s country.
All plans, including the sandbox.
Authenticity score
An overall score from 0 to 100 based on the signature, QR code, metadata and bureau template.
All plans.
Bureau report parsing
A dedicated parser for each bureau: obligations, delinquencies and totals in seconds.
All plans. The OCR page limit depends on the plan: up to 20 in Starter, up to 50 in Growth.
Bureau templates by country
Parsing and verification rules for each bureau, with versions and rollback.
All plans. Custom templates for non-standard reports in Bank Pro and Enterprise.Identity and company
KYC with a liveness check, KYB for legal entities and a match confirming that the report belongs to this particular applicant.
KYC with a liveness check
Document, selfie, liveness check and face match right in the borrower portal.
Growth, Bank Pro and Enterprise plans. The KYC provider’s cost is passed through with a markup from 15 to 30%.
Three-way identity match
The applicant, the report subject and the KYC document must turn out to be the same person.
All plans. Matching against the KYC document is available where KYC is enabled.
KYB for legal entities
Company details, executives and beneficial owners, sanctions and PEP.
Growth, Bank Pro and Enterprise plans.Risk and compliance
Credit risk and fraud flags, government databases and sanctions lists of the borrower’s countries.
Credit risk flags
16 flags with a severity level based on the credit report data.
All plans.
Fraud indicators
More than 19 indicators: from PDF edits to discrepancies between bureaus and repeat applicants.
All plans.
Government database checks
Tax debts, enforcement proceedings, bankruptcy, wanted lists and travel bans.
All plans except the sandbox.
AML screening
OFAC, UN, EU and national sanctions lists, PEP and related persons.
All plans except the sandbox.Decision and report
An underwriting summary with a recommendation, a manual review queue and a report whose authenticity is verified by QR code.
Underwriting summary
PDF and JSON with a recommendation, flags, per-currency totals and a QR code.
All plans. In the sandbox, the PDF carries a watermark.
QR-verifiable report
A public verification page: anyone can confirm the report is authentic and unaltered.
All plans. The consolidated report for individuals is paid once via A3.ID.
Manual review
A queue by priority and deadline, the four-eyes principle and corrections with a reason.
All plans except the sandbox.Integration and control
A borrower portal under your brand, API and webhooks, activity history and usage tracking.
Borrower portal under your brand
Consent, upload and KYC from a phone via a one-time link, with no registration.
Growth, Bank Pro and Enterprise plans. In Starter, the portal uses A3.VeriCore branding.
REST API and webhooks
Versioned API, HMAC-signed webhooks, idempotency and OAuth2.
All plans. The sandbox has the test API only, and the IP allowlist is in Bank Pro and Enterprise.
Audit and evidence
An immutable activity history and an evidence package for every check.
All plans. Extended activity history in Bank Pro and Enterprise.
Usage tracking
Every check is counted, with limits and alerts, and multiple organizations per account.
All plans.Shall we run a check on your report?
Send an anonymized sample report from the country you need: we will break it down in a demo and show the flags, the summary and the connection to your system.