Usage Scope
Comprehensive coverage breakdown of Socure's Consumer Onboarding Solution, including product availability, common use cases for financial account opening, and performance considerations.
Coverage
Socure’s Consumer Onboarding Solution offers broad global coverage, but the availability of specific workflow components varies by product. Here’s a clear breakdown of which parts are available Globally and which are US-Only, including country counts where possible:
Global product coverage and availability
KYC (Verify / eKYC)
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Supports field-level validations (name, date of birth, national ID, address, etc.) and is tuned for local data and regulatory requirements in each market.
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Typical response times are under 350 ms in the US and a few seconds internationally.
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Provides real-time electronic identity verification across 180+ countries through a single API.
Available for users in:
Available in 180+ countries worldwide.
Predictive Document Verification (Predictive DocV)
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Performs automated document and biometric verification using advanced image and data validation models.
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Supports all ICAO-compliant documents (e.g., passports) and most EU national IDs, with 80+ language support.
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Includes features such as Selfie Reverification, Secondary Document Capture, and adaptive handling of the emerging document formats.
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Available in 190+ countries, with new document types typically onboarded in under 5 days.
Available for users in:
Available in 190+ countries worldwide.
Global Watchlist Screening (AML / Sanctions)
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Delivers comprehensive global screening for AML and sanctions compliance.
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Monitors OFAC, UN, EU, UK HMT, PEP, and Adverse Media lists to detect high-risk entities.
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Available in 195+ countries and territories, supporting ongoing monitoring and regulatory mandates worldwide.
Available for users in:
Available in 195+ countries worldwide.
Phone Risk (International)
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Evaluates a phone number to predict the likelihood of fraud and measure its correlation to an identity.
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Leverages risk intelligence and phone number attributes — including porting history, subscriber tenure, and line type — to assess both risk and trust.
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Currently available in 80+ countries, providing international phone-based identity insights.
Note: Full phone risk scoring and advanced features such as real-time SIM swap detection are currently US-focused, with international expansion ongoing.
Available for users in:
Available in 80+ countries worldwide.
Prefill
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Delivers advanced identity prefill capabilities for faster, frictionless onboarding.
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Automatically populates verified identity fields from trusted data sources to streamline user journeys.
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Available in the US and select international markets, including Brazil and 16 additional countries.
Available for users in:
Available in 18 countries worldwide.
US product coverage and availability
Sigma Fraud Suite
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Supports Identity Fraud, Synthetic Fraud, and First-Party Fraud detection models.
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Provides fraud risk scoring and synthetic identity detection.
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Leverages US-specific data sources such as SSN, credit headers, and domestic device and behavioral signals.
Available for users in:
eCBSV (SSN Verification)
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Verifies SSN, name, and date of birth directly with the US Social Security Administration (SSA).
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Provides authoritative identity validation exclusively for US applicants; not supported for international populations.
Available for users in:
SIM Swap Detection
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Detects real-time SIM swap events across major US carriers to identify potential account takeovers.
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Focuses on US telecom networks (not yet universally available in international markets).
Available for users in:
Common use cases
Financial account opening
Financial institutions must verify identity, meet KYC/CIP and AML obligations, and prevent third-party and synthetic fraud at the moment of account creation—without adding unnecessary friction that impacts conversion.
Covered account types include:
- Bank accounts (checking and savings)
- Credit cards and loans
- Digital wallets, P2P payments, and remittances
- Brokerage and investment accounts
- BNPL and fintech accounts
- Cryptocurrency exchanges
Challenges
- Regulatory KYC/AML screening at signup — must be consistently enforced across products and geographies while preserving conversion.
- Fraud at application — including third-party identity theft, synthetic identities, and mule networks that can evade basic checks or cause downstream losses.
How RiskOS™ helps
The RiskOS™ no-code workflow orchestrates:
- Verify / Verify+ for KYC/CIP compliance
- Global Watchlist for sanctions, PEP, and adverse media screening
- Layered fraud signals (phone, email, address risk, device, and behavioral intelligence)
These work together to auto-approve low-risk applicants while triggering targeted step-ups such as Predictive DocV—and in the US, eCBSV—only when necessary.
Performance considerations
- Fast responses: Sub-second responses in production.
- Always available: 99.99%+ uptime.
- Built for scale: Millions of identity verification checks per day.
- Adaptive orchestration: Conditional routing applies the right step-ups only when needed.
Input requirements
Certain PII elements are Required or Optional depending on the point-solution products used within the Consumer Onboarding workflow.
The list below represents the most common PII elements passed during an onboarding experience.
Note:
Some elements may be optional for specific products, but providing fewer PII inputs can negatively impact performance and match accuracy.
Common PII elements:
- Given Name
- Family Name
- Phone Number
- Date of Birth
- National ID (or SSN)
- Address
- Digital Intelligence Session Token
Updated 25 days ago