1
A live address event.
The applicant completes a guided journey at the declared property, creating evidence that a static file cannot create.
Why DoorID
Turn an address claim into live evidence.
DoorID gives lenders a real-world address check: the applicant receives a short-life link, completes a guided journey at the declared property, and returns a Pass, Refer or Fail result with controlled evidence.
Live address verificationUnique short-life linkControlled evidencePass / Refer / Fail
The fraud routes
Where DoorID gives lenders a new control.
DoorID is built for the point where fraud depends on a believable address story. It turns that story into a live check before approval, drawdown or payout.
| Fraud route lenders care about | What the market data says | What DoorID adds | Lender value |
|---|---|---|---|
| Identity fraud | Cifas says identity fraud is the most common filed case type: 242,003 filings in 2025, 54% of all NFD filings. | A live address journey tied to the declared property. | Stronger confidence before funding an application with address risk. |
| Third-party application fraud | UK Finance says criminals use stolen or fake documents to open card accounts in someone else's name. | A short-life link and guided check completed by the applicant at the property. | A practical control before card issue, payout or drawdown. |
| Synthetic identity fraud | Socure describes synthetic identities as mixes of real and fake data that can build credit credibility over time. | A real-world test of whether the synthetic address story holds up. | A harder-to-fake step when profile data looks plausible. |
| False application / first-party fraud | Cifas reports income and affordability manipulation supported by realistic fake document websites. | An extra live check when the address is part of the risk decision. | Cleaner routing for Pass, Refer or Fail instead of manual guesswork. |
| High-risk re-verification | Account takeover and misuse are major filing categories in the same fraud landscape. | A fresh address-access check when a lender needs renewed confidence. | Useful for higher-risk account changes, repeat lending or disputed cases. |
Plain English: DoorID gives lenders a live address verification step where the risk decision depends on whether the applicant can access the declared property.
Market position
DoorID adds the live address layer.
Most lender checks are still document, identity, database or account-led. DoorID adds the real-world address event those checks can feed into.
| Check type | What it gives the lender | DoorID layer | Why lenders care |
|---|---|---|---|
| ID document + selfie / liveness | Document authenticity, face match, real-person presence and onboarding compliance. | Live address access evidence linked to the same application journey. | The lender can pair identity confidence with address-access confidence. |
| Proof-of-address document | A document that supports an address claim. | A guided journey at the declared property. | Static address evidence becomes live address evidence. |
| Bureau / database match | Name, date of birth, address, credit file and historic data matches. | A current address-access signal from the applicant's phone journey. | The lender gets today's answer, not just historic file confidence. |
| Open banking | Account access, income and affordability context. | Property-access evidence alongside account evidence. | The lender can separate account confidence from address confidence. |
| Device / geolocation only | Approximate presence and device risk signals. | A guided address event with a controlled result and evidence pack. | The output becomes operational: Pass, Refer or Fail. |
| DoorID | Live address verification at the declared property. | Short-life link, guided check, controlled evidence and audit trail. | A targeted control before approval, drawdown or payout. |
The lender difference
What DoorID gives the lender.
DoorID creates a new proof point: live address access that can be used by fraud, underwriting and operations teams.
2
A targeted fraud control.
Use it where risk justifies action: pre-payout, broker-introduced risk, repeat lending, address mismatch or fraud review.
3
A lender-ready result.
The lender gets Pass, Refer or Fail with reasons and controlled evidence for operational decisioning.
4
A stronger challenge than a document request.
A forged bill can be uploaded from anywhere. DoorID creates a live guided event tied to the declared address.
5
A practical customer journey.
The applicant uses a short-life link in the phone browser, with no app install and a clear guided flow.
6
A control that fits the stack.
DoorID works alongside IDV, open banking, bureau, device risk and manual review workflows.
Why now
Live address verification is now a stronger control.
AI has made convincing documents, screenshots and synthetic identities faster and cheaper. DoorID gives lenders a real-world check at the point the address claim matters.
Cifas
Identity fraud remains the largest filing category.
Identity fraud and account takeover together account for 72% of NFD filings in 2025.
UK Finance
Fake documents are a known application route.
UK Finance describes third-party application fraud as using stolen or fake documents to open card accounts.
Entrust / Onfido
Address documents are still document review.
Entrust's address-document report reviews an uploaded eligible document. DoorID adds live access evidence.
Sources: Cifas Fraudscape 2026 · UK Finance Half Year Fraud Report 2025 · Entrust address-document documentation · Socure synthetic identity glossary · DoorID fraud data page.
Next step
Add live address verification to the risk workflow.
DoorID works best where the lender already has the applicant, address and phone number - and wants a stronger control before approval, drawdown or payout.