Electronic Identity Verification (eIDV): proof through real life

Today, everything can be forged — except real life and what people actually buy. We operate eIDV (electronic identity verification) through transactional data, backed by government, telecom and media sources.

eIDV powered by transactional data, not by photocopies

Electronic identity verification, or eIDV (electronic Identity Verification — confirming a person is who they claim to be online), is the set of techniques that let a business establish, online and in real time, that a person is indeed who they declare. We have operated this practice since 2016, and we bring a single conviction to every client we work with.

"Today, everything can be forged — except real life and what people actually buy."

An ID card can be counterfeited. A facial match can be fooled by a deepfake. A selfie can be reused. But the trace a real applicant leaves through their purchase acts, their anonymized banking data, the government and telecom sources that know them, stays impossible to forge at volume. You get an identity verification anchored in the real world, not in a scanned document.

We verify identity through data from verified purchase transactions, backed by government, telecom and media sources.

In short Our eIDV verifies an applicant's identity within seconds, through transactional, government and telecom data. Compliant with eIDAS 2.0 (the EU electronic ID regulation), GDPR (the EU's personal data law) and AML/CFT rules (anti-money-laundering and counter-terrorism financing). Real-time API integrable in a few days. 220:1 ROI demonstrated in online banking.

This pillar page details our eIDV technology, its four data sources, its online use cases, and how it positions against biometrics and document verification.

What is eIDV?

eIDV (electronic identity verification) is the procedure by which an online service establishes, with a provable level of security, that a client or applicant truly is the person declared. The EU regulation eIDAS 2.0, in force since May 2024, classifies identity means into three levels: low, substantial, high. We operate eIDV at the substantial and high levels depending on your use case.

eIDV combines several building blocks:

You collect identity documents (ID card, passport, driving license) or a declarative attribute
You run the facial match via biometrics (through our integrated partners)
We verify real life from transactional, government and telecom data

We focus our craft on the third block, the one that separates a real identity from a synthetic one. It corresponds to the "substantial security level" of the eIDAS 2.0 regulation, reached by confronting independent sources.

eIDV is not KYC. KYC (Know Your Customer — identity verification of a customer) is a broad regulatory framework that includes eIDV as its first block but adds sanctions screening, risk scoring and continuous monitoring. Many vendors maintain the confusion; we prefer clarity. For the full breakdown, read our KYC vs eIDV comparison.

Our approach is a necessary complement to the other KYC phases (biometric or document checks). It is now essential to secure new-customer onboarding and to fight fraud.

The four data sources that prove a real life

Every purchase generates data. A real flesh-and-blood person pays their rent, their groceries, their subscriptions, their train tickets. This measurement of economic acts is the first signature of real life. We mobilize four independent sources that we cross-check in real time.

TRANSACTIONAL

Verified purchase transactions

You access, via our open-banking partners, anonymized transactional data on 1.5 billion individuals across 197 countries. Your queries are interrogative, never storing: you get confirmation that an applicant truly exists and lives at the address they declare.

GOVERNMENT

Government sources

Civil registries, business registers (Infogreffe, Companies House and their international equivalents), public tax bases, sanctions lists. These government sources form the official foundation of an identity. You query more than 80 official registers in read-only mode, with no collection or storage on your side.

TELECOMS

Telecom data

A phone number is today a de facto identity document. Its assignment recency, its geographic stability, its link to an identified holder and its consistency with declared documents form a strong complementary signature. We query these attributes across more than 200 operator partners worldwide.

MEDIA

Media and subscription sources

Internet, energy, mobile, B2C SaaS subscriptions, editorial and professional presence: every recurring payment to an address stabilizes the identity over time. A synthetic person generated by AI doesn't have 36 months of Netflix subscription history paid from the same IBAN.

"Everything can be forged, except real life."
Four independent sources — verified purchase transactions, government, telecom, media — cross-checked in real time make industrial-scale forgery unprofitable.

How our eIDV API works

01

Identity submission inside your onboarding funnel

The applicant submits, inside your onboarding funnel, a minimal attribute set: first name, last name, date of birth, postal address, phone number, email, and depending on your need an ID document (card, passport, driving license or equivalent). Your servers send a JSON payload to our API, which immediately hashes the sensitive data before processing. The process follows a strict minimization approach, GDPR-aligned.

02

Transactional cross-check (open banking)

We query the transactional bases (open banking) to verify the authenticity of the applicant's banking life.

03

Government and sanctions cross-check

We query government registers to check civil status and sanctions lists.

04

Telecom cross-check

We query telecom bases to validate the phone number, the operator code and the linked subscription.

05

Media and subscription cross-check

We mobilize media and subscription services to measure the footprint over time.

06

Bayesian score fusion

Each source returns a partial score. We fuse those scores through a Bayesian model that weights them according to data quality and recency available in the applicant's country. The application carries a probative-value logic and a certified evidence log.

07

Decision and API response in under 3 seconds

You receive, in under 3 seconds in 92% of cases: a consolidated eIDV score out of 100, with legal value inside the KYC procedure; the eIDAS 2.0 level reached (low, substantial, high); an attribute-by-attribute breakdown (name OK, address OK, phone OK, email OK, etc.); a control identifier acting as auditable proof, timestamped to the second.

08

Option: composition with biometrics for high level

If your use case requires eIDAS 2.0 high level, you can add a remote facial match operated by a partner (Onfido, Jumio, Veriff). Our eIDV then composes with these blocks, without replacing them.

Four key eIDV use cases

BANKING & FINTECH

Online banking and fintech onboarding

Whether you run an online bank, an insurance broker or a payment service provider, you gain by removing document collection. Our transactional eIDV enables onboarding in under 90 seconds, vs 8 to 12 minutes for a classic document path. Measured abandonment drop: from 25% to 5%, meaning 12,000 new clients retained yearly out of 60,000 modeled account openings.

COMPLIANCE

Periodic KYC refresh

The ACPR (French banking and insurance regulator) requires medium-risk clients to be reviewed every 36 months, high-risk every 12. You automate this refresh without bothering the client: real life is re-verified through a silent query of the four sources, and your compliance team is only alerted on divergence. Manual workload drops by around 60%.

BUSINESS / KYB

KYB and ultimate beneficial owners

KYB (Know Your Business) verifies a company's existence and activity. We apply the same eIDV to legal entities: legal registers, tax data, B2B transactions and corporate telephony are cross-checked. You identify and verify ultimate beneficial owners above the 25% threshold in real time. You get a complete KYB file in under 5 seconds.

ANTI-FRAUD

Synthetic-identity anti-fraud

A synthetic identity generated by AI sometimes passes facial matching but always fails to present 24 months of coherent transactional history. You spot inconsistencies between declared attributes and measured real life: fictitious address, freshly issued phone number, no purchase history at all. You see your false-positive rate fall below 0.8% on monitored volumes.

Risk scoring at enrollment. A PSP or a card issuer may want to assess an applicant's risk level at enrollment. You confront declarations with transactional real life and you obtain a score directly usable in step-up authentication logic. The higher the score, the less friction your legitimate client faces.

eIDV vs biometrics vs document verification

Many conflate these three approaches. Here's the grid we share with our clients:

APPROACH A

Document verification

Strength: proves the document exists and isn't crudely falsified. Limit: doesn't prove the bearer is the real person. Complementarity: a foundational block but insufficient on its own; it must be combined with biometrics and transactional eIDV to reach eIDAS 2.0 high level.

APPROACH B

Facial match (biometrics)

Strength: validates that the face in front of the camera matches the document photo. Limit: vulnerable to deepfakes and presentation attacks. Complementarity: useful to link the bearer to the document, but must be confronted with transactional real life to resist synthetic-identity fraud.

APPROACH C

Transactional eIDV

Strength: proves the person exists and lives in the real world (purchase transactions, government, telecom and media sources). Limit: needs a minimum history (6 months). Complementarity: an indispensable layer against synthetic identities, to be combined with biometrics and document verification for eIDAS 2.0 high level.

No single block is enough at eIDAS 2.0 high level. The combination of the three forms the robust defense. That's why our approach is a necessary complement to the other KYC phases (biometric or document checks). It is now essential to secure new-customer onboarding and to fight fraud.

Euroleads doesn't sell biometrics or document capture. We concentrate our investments on the transactional data layer that few players master. Whether you operate at substantial or high level, you can:

Rely on our eIDV alone (for substantial-level use cases)
Combine it with your existing biometric solution
Orchestrate it through our complete KYC solution

Onfido, Jumio, Veriff: benchmarks for biometrics and document verification. Our eIDV complements their offerings by adding the transactional real life layer.
Sumsub: all-in-one platform. Our publisher independence (4,000 sources we don't own) and our 197-country coverage without surcharge are the differentiators.
Trulioo: US pioneer of aggregation. Our European specialization and our expertise in eIDAS 2.0 and French AML/CFT (anti-money-laundering and counter-terrorism financing) rules make the difference in these regulatory zones.

Compliance, security and architecture

Our eIDV operates at eIDAS 2.0 (the EU electronic ID regulation) substantial and high levels. It fits within the GDPR framework with strict minimization (only the necessary elements are processed), and directly feeds the AML/CFT obligations (anti-money-laundering and counter-terrorism financing) of the AMLD6 directive (the 6th EU Anti-Money Laundering Directive) and the upcoming AMLR regulation (taking effect in 2026). The law and certified electronic signature under the regulation govern every step of the verification procedure.

Security and architecture: REST API documented in OpenAPI 3.0, European sovereign hosting, TLS 1.3 and AES-256 encryption, annual ISO 27001 and SOC 2 Type II audits. No client data stored beyond the legal retention period. The process guarantees the authenticity and probative character of every verification, usable as a legally valid document in case of audit. The list of our internal controls is reviewed quarterly.

Euroleads doesn't own any of the 4,000 sources queried. Our craft is identifying and orchestrating the best sources per use case and geography. This independence eliminates editorial conflicts of interest and guarantees uniform quality across the 197 countries covered, whatever the distance between the applicant and the service. We don't sell the data we recommend. That independence is the point. Our source and verification-method recommendations are never biased by a vendor solution.

Key figures

Indicator	Value
Verifications per month	5 million
Sources worldwide	4,000
Countries covered	197
Individuals identified	2.5 billion
ROI modeled in online banking	220:1
Abandonment	25% → 5%

FAQ: the key questions on eIDV

What's the difference between KYC and eIDV?

KYC (Know Your Customer — identity verification of a customer) is a broad regulatory framework. eIDV (electronic identity verification, online identity verification) is a technical block serving KYC, confirming the identity of a person or user. KYC adds sanctions screening, risk scoring and transaction monitoring. For the detail, read our KYC vs eIDV comparison.

Are you eIDAS 2.0 compliant?

Yes. Our eIDV operates at the regulation's substantial and high levels, and exposes the verifiable attributes compatible with the European Digital Identity Wallet (EUDI Wallet). National law and EU regulation govern every process.

How do I integrate the API?

REST API in OpenAPI 3.0, instant sandbox, test dataset, integrator support. The integration approach is documented step by step. Standard timing: 3 to 10 business days depending on your stack. The application ships with an end-to-end controls kit.

What's the error rate?

On measured volumes, fewer than 0.8% false positives (real clients wrongly rejected) and fewer than 0.3% false negatives (fraudsters accepted). Combining with biometrics brings false negatives below 0.05%. Every user benefits from a remote identity verification in seconds.

Compatible with Onfido, Jumio, Veriff?

Yes — it is in fact the recommended combination for eIDAS 2.0 high level. Our infrastructure orchestrates natively with these partner services.

What does it cost?

Tiered pricing based on monthly volume. Starting at €0.80 per verification on pilot volumes, dropping below €0.15 above one million. The 220:1 ROI observed in online banking includes every business component, including the reduction of document-fraud costs.

Go further

To go further, see our related pages:

Get started with our eIDV

Whether you want to turn transactional data into identity certainty, deploy an eIDAS 2.0-compliant eIDV independent from any vendor, or combine it with your existing biometric solution, you access an infrastructure integrable in a few days.

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