---
updatedAt: 2026-08-21T16:12:16.000Z
agentTools:
  siteIndex: https://help.socure.com/llms.txt
  projectIndex: https://help.socure.com/riskos/llms.txt
---

# Solutions Overview

Choose the right RiskOS™ Enterprise Solution for your business challenge — consumer onboarding, fraud prevention, compliance, payments, or workforce verification.

RiskOS™ Enterprise Solutions combine identity verification, fraud prevention, compliance screening, and decision orchestration into configurable workflows designed to solve specific business challenges.

Choose a solution based on the customer journey, risk event, or compliance requirement you are addressing.

<br />

## How Enterprise Solutions work

Enterprise Solutions are pre-configured workflow templates built on the RiskOS™ platform. Each solution combines Socure products, third-party integrations, rules, and decision logic into an end-to-end workflow you can customize through the RiskOS™ Dashboard.

<div align="center">
```mermaid
flowchart LR
    A[Applicant Data] --> B[Identity Verification]
    B --> C[Fraud & Compliance Checks]
    C --> D[Rules & Decisioning]
    D --> E[Decision]
```
</div>

You can customize any solution using:

* **Workflow Builder** — drag-and-drop orchestration of enrichments and routing logic
* **Rules & conditions** — configurable business rules and risk thresholds
* **Enrichments** — Socure products and third-party data sources
* **Decision logic** — ACCEPT, REJECT, or REVIEW outcomes with reason codes
* **Step-up verification** — conditional escalation to OTP, DocV, or manual review

<Callout icon="💡" theme="okay">
  **Tip**:

  Solutions are starting points, not fixed templates. Customize workflows, rules, and enrichments to match your risk policies and compliance requirements.
</Callout>

<br />

## Customer Onboarding

### Consumer Onboarding

Verify identities, prevent fraud, and reduce onboarding friction during account creation. Low-risk applicants pass through automatically while higher-risk applicants are escalated to step-up verification.

**Includes:**

* Verify Plus (KYC/CIP)
* Sigma Identity Fraud + Sigma Synthetic Fraud
* Email Risk, Phone Risk, Address Risk
* Digital Intelligence (device signals)
* Global Watchlist screening
* Conditional step-ups: OTP, Predictive DocV, eCBSV

**Best for:** Banks, fintechs, digital wallets, BNPL providers, crypto exchanges, and regulated onboarding flows.

[View integration guide →](https://help.socure.com/riskos/docs/consumer-onboarding)

***

### Consumer Onboarding with Advanced Prefill

Reduce form abandonment by collecting minimal input — phone number and date of birth — and returning a verified identity profile from Socure's Identity Graph. Applicants review and confirm pre-filled data instead of entering it manually.

**Includes:**

* Digital Intelligence (device/session risk)
* Phone Risk + SIM Swap detection
* Silent Network Authentication (SNA)
* OTP (fallback possession verification)
* Identity Graph prefill

**Best for:** High-volume consumer onboarding where conversion rate and friction reduction are priorities.

[View integration guide →](https://help.socure.com/riskos/docs/onboarding-with-advanced-prefill)

***

### Business Onboarding (KYB)

Automate Know Your Business verification by validating business entities and their Ultimate Beneficial Owners in a single API call. Returns industry classifications, adverse media screening, bankruptcy data, and risk assessments with reason codes.

**Includes:**

* Business entity verification (190+ countries)
* Ultimate Beneficial Owner (UBO) verification
* Adverse media screening
* Industry classification + website analysis
* Bankruptcy and lien data
* KYB Partner network

**Best for:** Financial services, e-commerce merchant onboarding, healthcare provider verification, and government program eligibility.

[View integration guide →](https://help.socure.com/riskos/docs/business-onboarding)

<br />

## Fraud Prevention

### Login & Authentication

Prevent account takeover at login, account changes, device recovery, and high-value transactions. Combines device intelligence with behavioral signals to detect unusual activity and dynamically escalates to higher security when risk warrants it.

**Includes:**

* Digital Intelligence (device, network, behavioral signals)
* Email Risk + Phone Risk
* Graph Intelligence (emerging fraud patterns)
* Conditional step-ups: OTP, Predictive DocV, Selfie Re-verification

**Best for:** Financial services, e-commerce, telecom, healthcare, insurance, and government services with consumer-facing accounts.

[View integration guide →](https://help.socure.com/riskos/docs/login-authentication)

***

### Trust & Safety

Embed identity verification and fraud detection at any critical point in the customer journey — not just onboarding. Block identity theft, prevent exploitation of stolen credentials, and adapt verification intensity based on risk tolerance.

**Includes:**

* Identity verification
* Fraud detection signals
* Device risk analysis
* Behavioral analysis + anomaly detection
* Configurable risk-based step-ups

**Best for:** Marketplaces, platforms, and organizations needing continuous trust assurance across login, transactions, and account changes.

[Learn more →](https://help.socure.com/riskos/docs/trust-and-safety)

***

### Age Assurance

Confirm whether a user meets an age requirement using a layered workflow that starts with passive, low-friction signals and escalates to active selfie or document verification only when required. Returns an ACCEPT or REJECT decision backed by privacy-preserving Boolean threshold flags — `age18Plus`, `age21Plus`, `age25Plus` — instead of a date of birth or exact age.

**Includes:**

* Passive assurance: device, phone, and email signals
* Active assurance: selfie-based estimation and document + selfie verification
* OTP possession check (triggered only on an identity hit)
* Configurable waterfall with state rules, thresholds, and escalation paths

**Best for:** Age-restricted content, regulated commerce (alcohol, tobacco, cannabis), gaming, and any flow that must confirm an age threshold while minimizing friction and data exposure.

[View integration guide →](https://help.socure.com/riskos/docs/age-assurance)

<br />

## Payments & Financial Risk

### Bank Account Verification

Verify bank account ownership and status before processing payments. Designed to comply with the Nacha WEB Debit Rule, which mandates account validation before executing ACH entries.

**Includes:**

* Account Intelligence (ownership verification)
* Payment return risk assessment
* ACH compliance validation
* Real-time account status checks

**Best for:** Payment processors, banks, fintechs, and organizations processing ACH transfers or disbursements.

[Learn more →](https://help.socure.com/riskos/docs/bank-account-verification)

***

### Payment Screening

Screen payment participants — senders, beneficiaries, and intermediaries — against global sanctions lists, PEP data, and adverse media in real time. Screen all parties in a single API call with sub-200ms response times.

**Includes:**

* Global sanctions screening
* PEP (Politically Exposed Persons) screening
* Adverse media screening
* Multi-party screening (sender, beneficiary, intermediaries)

**Best for:** Payment service providers, banks, crypto exchanges, marketplaces, insurance, and government disbursement programs.

<br />

## Workforce

### Workforce Verification

Verify employment candidates at any stage of the hiring funnel. Perform passive, low-friction identity checks at application submission and automatically escalate to document verification or selfie re-verification only when risk justifies it.

**Includes:**

* Digital Intelligence (device signals)
* Sigma Identity Fraud + Sigma Synthetic Fraud
* Email Risk, Phone Risk, Address Risk
* Verify Plus (identity verification)
* Conditional step-ups: Predictive DocV, Selfie Re-verification

**Best for:** HR teams, recruiters, applicant tracking systems, payroll providers, and gig/workforce platforms.

[View integration guide →](https://help.socure.com/riskos/docs/workforce-verification)

<br />

## Integration paths

Enterprise Solutions support two integration paths. The available paths depend on the solution and workflow configuration.

|                     | Hosted Flow                                                                                  | Direct API + SDK                                                                                    |
| :------------------ | :------------------------------------------------------------------------------------------- | :-------------------------------------------------------------------------------------------------- |
| **How it works**    | RiskOS™ hosts the onboarding UI. You create a session and redirect users to the hosted flow. | You build the UI. Your backend sends API requests to RiskOS™ and launches the DocV SDK when needed. |
| **You handle**      | Session creation and user redirect                                                           | Frontend implementation, data collection, and workflow orchestration                                |
| **RiskOS™ handles** | User interaction, data collection, KYC, fraud, watchlist, DocV, and decision delivery        | Identity verification, fraud scoring, watchlist screening, DocV capture, and decision delivery      |
| **Result delivery** | Webhook                                                                                      | API response (synchronous) or API response + webhook (asynchronous)                                 |
| **Best for**        | Teams that want to launch with minimal frontend work                                         | Teams that need full control over the user experience                                               |

<Callout icon="📘" theme="info">
  **Note**:

  Not every solution supports both integration paths. Check the individual solution guide for available paths and setup instructions. See [Hosted Flows](https://help.socure.com/riskos/docs/hosted-flows) for configuration and branding details.
</Callout>

<br />

## Build across the customer lifecycle

Enterprise customers commonly deploy multiple solutions together to cover different stages of the customer journey.

<div align="center">
```mermaid
flowchart LR
    A[Onboarding] --> B[Authentication]
    B --> C[Payments]
    C --> D[Ongoing Monitoring]
```
</div>

**Common combinations:**

| Journey                            | Solutions                                                        |
| :--------------------------------- | :--------------------------------------------------------------- |
| Account opening + login protection | Consumer Onboarding + Login & Authentication                     |
| Business verification + compliance | Business Onboarding + Payment Screening                          |
| Onboarding + payment processing    | Consumer Onboarding + Bank Account Verification                  |
| Full lifecycle protection          | Consumer Onboarding + Login & Authentication + Payment Screening |

<Callout icon="💡" theme="okay">
  **Tip**:

  All Enterprise Solutions run on the same RiskOS™ platform. Deploy multiple solutions using shared workflows, enrichments, and decision logic.
</Callout>

# Sibling pages

* [Consumer Onboarding Standard](https://help.socure.com/riskos/docs/consumer-onboarding.md)
* [Consumer Onboarding with Advanced Prefill](https://help.socure.com/riskos/docs/onboarding-with-advanced-prefill.md)
* [Trust and Safety](https://help.socure.com/riskos/docs/trust-and-safety.md)
* [Bank Account Verification](https://help.socure.com/riskos/docs/bank-account-verification.md)
* [Business Onboarding](https://help.socure.com/riskos/docs/business-onboarding.md)
* [Login and Authentication](https://help.socure.com/riskos/docs/login-authentication.md)
* [Workforce Verification](https://help.socure.com/riskos/docs/workforce-verification.md)
* [Age Assurance](https://help.socure.com/riskos/docs/age-assurance.md)
* [Socure Hosted UX (Low Integration Approach)](https://help.socure.com/riskos/docs/hosted-flows.md)