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Use case · Loan application fraud

Loan application fraud

Who is borrowing,and wheredo they live?

A lender's losses start with a borrower who was never who they said, or who cannot be found when the first repayment is missed. Toden verifies the borrower on two government records, shows whether the same face has borrowed under another name, and gives you an address you can actually locate.

The workflow

Two IDs, one face, a real address and a search for the borrower's other identities. This is a starting point: add, remove or reorder any step in the workflow builder.

Step 01

Phone Verification

Proves the phone number with a one-time code

Per check

Step 02

Government database validation

Nigeria, BVN record

Per check

Step 03

Government database validation

Nigeria, NIN record

Per check

Step 04

3D Active Motion

Head turn or blink prompts

Per check

Step 05

Facial Match ×2

Selfie against each record photo

Per check

Step 06

Proof of Address

Utility bill or bank statement

Per check

Step 07

Address Intelligence

A map pin checked against their records

Per check

Step 08

Questionnaire

Income, employer and purpose of the loan

Per check

Step 09

Device Intelligence

Flags a phone that has applied before

Per check

Step 10

Face Search

Has this face borrowed under another name?

Included

Then your rules decide

A starting rule set

  • The same face under a different IDDecline
  • A phone or ID you have blockedDecline
  • The two records name different peopleReview
  • The address is not supported by any recordReview
  • Both records agree and the address is corroboratedApprove

Every rule is yours to change on a visual canvas, and each result records which rule decided it. Publishing a new version needs no release.

Try the workflow builder

Connection map

When a face, a phone or an address turns up again, the console draws everyone gathered around it and says in plain words what the connection means and how much weight it deserves.

Same faceSame faceSame face
One face4 people
Ada Okoro2 verifications
Grace NwosuOpened today
Ada Okoro1 verification
Blessing EzeOpened today
  • Needs review2 people with this face verified under a different nameA shared address does not explain a shared face. Compare the photos before deciding.
  • For context1 person with this face has the same name and documentThis may be a repeat verification. Check whether more than one account is expected.
  • An illustration with invented people. In the console each card opens the customer's record.

How it works

1

Verify on two records

A BVN and a NIN in one sitting, with one selfie matched to both record photos.

2

Look for the same person twice

Face search and device signals show a borrower who already holds a loan under another name, or a phone that has applied many times.

3

Pin the address

A map pin, checked against the address on their records and a utility bill, and optionally confirmed over the following days.

What powers it

  1. A borrower who returns with a new name, a new number or a new ID is matched by their face and their phone, before you disburse.

Integrate

Mount the SDK with the workflow you published, or send a hosted link and write no code. The result arrives by signed webhook, and changing the workflow never needs a release.

Verify.tsxTypeScript · React
import { TodenVerification } from "@todenhq/sdk-react";
 
export function Verify({ userId }) {
  return (
    <TodenVerification
      apiKey="pk_test_..."
      workflowId="wf_AbC123dEf456"
      userId={userId}
      onSubmit={(s) => save(s.verificationId)}
    />
  );
}
verification.completedWebhook · JSON
{
  "event": "verification.completed",
  "data": {
    "verificationId": "ver_8fk2...",
    "status": "verified",
    "assuranceLevel": "gov_db",
    "idType": "bvn",
    "country": "NG",
    "dataMatch": true,
    "facialMatch": true,
    "facialConfidence": 91
  }
}

Products involved

This solution combines products you can use on their own too.

KYC

Identity Verification

Verify a person from their ID, a live selfie and, in five African markets, the government record. One SDK, one signed result.

Learn more
Address

Address Intelligence

Capture a GPS-pinned address, corroborate it on arrival, and confirm residence with presence verification, re-confirmed on a schedule.

Learn more
Included

Face Search

Search every new selfie against the people you have already verified and your own face blocklist, then approve, review or decline by rule.

Learn more
No-code builder

Workflows

Build and version verification flows and decision rules visually, then publish without a redeploy.

Learn more

Related use cases

Tiered KYC

One customer record, several workflows: each tier adds evidence instead of starting again.

Learn more

Address verification

A pin, a document and presence at the address, graded by how strong the evidence is.

Learn more

Multi-account and bonus abuse

Face search, device signals and blocklists that tie a new account to the ones behind it.

Learn more

Frequently asked

  • No. Toden tells you who the borrower is, what the evidence says about their address and whether you have seen them before. The credit decision is yours.

Loan application fraud,in one workflow.

The sandbox opens when you sign up. Usage-based pricing, no sales call.

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