Identity verification for lenders
Lending decisions start with knowing the applicant is real and who they claim to be. Zanyara confirms a borrower’s identity, address and AML status in the application flow — fast enough to keep approvals moving, evidenced enough for your CDD file.
Real-time onboarding at point of application
- Document verification + NFC chip reading + face match + liveness — most in seconds.
- Proof-of-address verification for CDD and address confirmation.
- Sanctions, PEP and adverse-media screening with ongoing monitoring across the loan lifetime.
- Human-in-the-loop review for borderline documents, with a full audit trail.
Cut first-party and synthetic-identity fraud
Binding a genuine, present face to a chip-verified document — with deepfake-resistant liveness and device intelligence — makes synthetic and stolen-identity applications far harder than a document photo alone. Decisions arrive by signed webhook and in the console.
Honest scopeZanyara is identity, address and AML verification — not credit scoring, affordability or bank-transaction analysis. UK-hosted with configurable data residency; ICO registered.
Frequently asked questions
- Can you verify a borrower in real time at point of application?
- Yes. Most automated checks — document, NFC, face match and liveness — complete in seconds inside your application flow, so you can make an onboarding decision without breaking the journey. Borderline cases route to human review and resolve in minutes.
- Do you verify proof of address for affordability and CDD?
- Yes — proof-of-address verification extracts the name and address, checks the document date against your recency rule, and matches the name to the verified identity, so you have an evidenced address alongside the ID check.
- Is this an affordability or credit-scoring product?
- No. Zanyara verifies identity and screens against AML watchlists. We don’t provide credit scores, affordability data or bank-transaction analysis — pair us with your credit bureau and open-banking provider for those.