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
Proof of address in the age of AI.
Bills and statements can be faked in seconds. DoorID puts the person and the property together, and you get Pass, Refer or Fail.
Secure link by textNo app to downloadAbout 70 secondsPass, Refer or Fail
Step-up for address.
Identity checks have an extra layer for risky cases. Address never has. DoorID is enhanced due diligence for address — the digital alternative to asking for bank statements and utility bills.
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 secure link by text 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. |
In plain English: before money moves, prove the applicant can get inside the address they gave you.
Market position
DoorID adds the live address layer.
Fraud checks today are ID, ID, ID: a driving licence and a face. Nobody links the person to the front door. DoorID does.
| 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. | Secure link by text, 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. Walking inside the address can only be done there.
5
A practical customer journey.
A secure link by text. No app. About 70 seconds.
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 was 54% of the 444,993 cases recorded in 2025, and 59% in the first half of 2026.
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.
Why now
Friction is coming back.
Lenders, banks and platforms are adding one well-placed step at the moment of highest risk. That's where DoorID sits.
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
Which address do you wish you'd checked?
DoorID works best where the lender already has the applicant, address and phone number - and wants a stronger control before approval, drawdown or payout.