Paper can look clean
Utility bills, statements and screenshots can be borrowed, edited or generated without proving the applicant lives there.
Solution
Live verification at the address.
DoorID helps lenders, mortgage providers and credit issuers answer one practical question: can this applicant complete a live address journey at the declared property?
Unique short-life linkNo app installGuided address checkPass / Refer / Fail
The problem
Utility bills and bank statements show that a document exists. They do not show access.
Address fraud becomes commercial risk when a case reaches approval, drawdown or payout. DoorID gives the lender a live address-control step before that point.
IDV has a different job
Document and liveness checks help with identity, but they do not answer the property-access question.
DoorID adds the missing control
A guided address journey returns a lender-ready Pass, Refer or Fail result with controlled supporting evidence.
How it works
Trigger. Capture. Decide.
DoorID is designed to sit beside existing IDV, credit and fraud checks rather than replace them.
01
Trigger
The buyer starts DoorID from an approved workflow and messages the applicant a unique, short-life link.
02
Capture
The applicant completes a guided flow at the declared address on their own phone, with no app install.
03
Decide
The buyer receives Pass, Refer or Fail with reasons, controlled evidence and an audit trail.
Where it helps
Use DoorID only where the extra step is worth it.
This is a targeted fraud-control step, not something every low-risk applicant should have to complete.
| Moment | Problem | DoorID outcome |
|---|---|---|
| Before drawdown or payout | The application looks clean, but address confidence still matters. | Live address verification before funds move. |
| Higher-risk broker traffic | The lender needs a consistent extra control across introducers. | Repeatable journey and reviewable result. |
| Fraud review | Teams need more than files, judgement and inconsistent follow-up. | Pass, Refer or Fail with reasoned evidence. |
| Repeat lending or account changes | Address risk may have changed since the original application. | Fresh access signal where risk justifies it. |
Next step
Start with one controlled workflow.
A focused first deployment is easier to approve, support and measure than a broad rollout.