Consumer Onboarding with Advanced Prefill

What is Advanced Prefill?

Consumer Onboarding with Advanced Prefill is a two-workflow RiskOS™ solution that reduces onboarding friction by prefilling verified identity data from minimal user input. Instead of requiring applicants to complete lengthy identity forms, Advanced Prefill collects minimal input, for example a phone number and one other attribute (date of birth or last 4 SSN is preferred), verifies the requester through device and phone checks, and returns a verified identity profile from Socure's Identity Graph. The returned profile may include details such as full name, aliases, addresses, emails, phone numbers and national identifiers.

The solution operates in two stages:

1. Advanced Prefill (advanced_pre_fill) — Verifies the requester and gates data disclosure. Returns prefilled identity data for verified, low-risk users.
2. Consumer Onboarding (consumer_onboarding) — Performs full KYC, fraud, and compliance evaluation on the final data — whether prefilled, edited, or manually entered.

Advanced Prefill controls when data can be shown. Consumer Onboarding determines who can be approved.

Common use cases

• Bank accounts, credit cards, and loans
• Digital wallets, P2P payments, and remittances
• E-commerce account creation and checkout
• Prediction market new user enrollment
• Telecom SIM registration and digital activation
• Insurance enrollment and policy renewals
• Government eligibility verification and benefits distribution

Participating enrichments

Advanced Prefill uses these enrichments to verify the requester before disclosing identity data.

*SIM Swap appears as a Phone Risk reason code rather than a separate enrichment. It's listed here because it contributes its own data disclosure signal.

After Advanced Prefill completes, Consumer Onboarding performs full KYC and fraud evaluation using its own set of enrichments.

High-level runtime flow

flowchart TB
    A["Collect phone + DOB + device token"] --> B["POST /api/evaluation (Advanced Prefill)"]
    B --> C{"Advanced Prefill decision"}

    C --> D["ACCEPT → Show prefilled form"]
    C --> E["ON_HOLD → Collect OTP"]
    C --> F["REJECT → Show blank form"]

    E --> G["Resume evaluation"]
    G --> D
    G --> F

    D --> H["User reviews and submits"]
    F --> H
    H --> I["POST /api/evaluation (Consumer Onboarding)"]
    I --> J["Final onboarding decision"]

1. Collect inputs — Gather a phone number, date of birth or other PII, and a Digital Intelligence session token from the client. For input options, see the Prefill Enrichment page.
2. Submit Advanced Prefill — Send a POST /api/evaluation request with workflow: "advanced_pre_fill".
3. Gate data disclosure — The workflow verifies device integrity, phone risk, and phone number possession before returning identity data.
4. Display or skip prefill — Show prefilled data on ACCEPT, collect OTP on ON_HOLD, or present a blank form on REJECT.
5. Run Consumer Onboarding — Submit a new evaluation with the confirmed data for full KYC and fraud checks.

Interactive demo

Explore the onboarding experience with Advanced Prefill in this interactive demo.

Open the demo in a new tab

Coverage

Advanced Prefill is currently available in the United States. There are limited capabilities in select other countries. For more information on capabilities in other countries, please contact your Socure representative.

Get started

Related concepts

• Consumer Onboarding
• Prefill
• Workflow Overview
• Evaluations
• Decisions
• Synchronous vs Asynchronous Evaluations