Identity

A name and SSN on paper does not tell you who is at the showing.

Credit screening confirms an identity exists. It does not confirm the applicant is that person. Those are two different questions and only one of them is usually asked.

Request a demoIncome verification

Government ID plus a live selfie match, in under three minutes.

How it verifies

Four steps, none of which needs an app install.

Friction in the applicant flow is abandoned applications, so the whole thing runs in a browser.

Government ID, both sides

Photographed in the browser. The back matters, because that is where the machine-readable data lives.

Live selfie match

Facial recognition confirms the person holding the ID is the person on it. Borrowed identities get caught here.

No app, no account

Your team sends a link. The applicant opens it in any mobile browser. Nothing to install, no tech support calls.

Household and co-signers

Head of household and guarantors each verify separately, so a co-signer is not an unverified name on a lease.

What it catches

Borrowed and synthetic identities.

The applicant who passes credit screening on somebody else's identity is the case that credit screening structurally cannot catch, because the identity is real. It just is not theirs.

  • Mismatched identities, where the ID and the face differ

  • Synthetic identities assembled from real fragments

  • Household members who never verified at all

  • Guarantors named on a lease without confirmation

  • Every attempt logged, with the method and date on the record

One consistent process

Every applicant gets the same process. No leasing agent judgment calls, and no "this one looked fine to me."

That consistency is a fair housing matter as much as a fraud one. Screening decisions that are not documented and uniformly applied create exposure regardless of intent.

If an agent overrides a flag, that is logged too.

FAQ

Identity questions

Why is a credit check not enough for identity?
A credit check confirms a name and SSN combination exists and has a history. It does not confirm the person in front of you is that person. Those are different questions, and synthetic and borrowed identities exploit the gap between them.
What does the applicant have to do?
Open a link, photograph the front and back of their ID, and take a selfie. It works in any mobile browser with no app install and no account creation, which is the reason it does not generate support calls.
How is this implemented?
Through Plaid's identity product. We would rather name the underlying provider than imply we built facial recognition ourselves.
Does it work for applicants without a US driver's license?
Government-issued ID generally, not driver's licenses specifically. If a document type fails, the applicant lands in a needs-more-documents state rather than a fail, because an incomplete screening is not the same as a rejection.
What does this cost?
ID verification is billed per completed session, at $4. It runs inside the application flow rather than as a separate step your leasing team has to remember.

Run the ID flow on your own phone.

Front, back, selfie. It takes about a minute, and it is the fastest way to judge whether your applicants will finish it.

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