Skip to content

Moment 01 · Sign-up

Bind the real person to their own phone and SIM.

What sign-up checks. Against what came before.

  • Bound here

    The face

    A live person on a real camera, matched to Aadhaar or the document’s portrait.

  • Bound here

    The number and SIM

    The network confirms the number belongs to the SIM in this phone, with no code sent.

  • Bound here

    The phone

    The phone gets an ID that survives reinstalls and resets, and is checked for emulators.

  • Not read here

    The payee

    Not read yet.

  • Not read here

    The session

    Not read yet.

The decision. Allow, in the example.

Everything holds

  • Why

    Number confirmed by the network, SIM and phone bound, a live person on a real camera, and no face or device seen on other accounts.

  • The customer sees

    “You’re verified. No code was needed.”

  • A good customer

    A good customer takes a selfie and is done. No code is sent while the network can confirm the number.

Your FRM receivesALLOW · number verified · SIM bound · live person

What to measure. Agreed before the pilot.

Where they start
  • CompletionWho starts sign-up and finishes.
  • Drop-offAt the number, the ID, the selfie.
  • CodesHow often a code is still sent.
  • ReviewWhat goes to a person, and the wait.

Rules it supports.

  • India and Malaysia

    SIM and device binding at onboarding and re-binding on change, with the number confirmed by the network and device integrity read every session.

    The rules, market by market
  • India, Singapore, the UAE, Malaysia and the Philippines

    One-tap login that tries the network check, the SIM check and Aadhaar consent before any one-time code, and face checks with injection defence where identity is in doubt.

    The rules, market by market
  • India, Malaysia and the Philippines

    A payee and mule graph across accounts and devices, with recipient risk scored before the payment is sent.

    The rules, market by market

Start with sign-up, login or payments.

Pick one, test it on your own traffic before you commit, and add the others on the same SDK when you’re ready.