VerifyHubIdentity Verification for LendersConfirm the Buyer at the Moment of Contracting
VerifyHub gives automotive lenders irrefutable proof that the person signing the loan is who they say they are — captured live, at the dealership, the instant the contract is executed. No more funding a loan on a stolen identity or a straw buyer.
Six Layers of Identity Proof
Every VerifyHub verification builds a multi-layer identity record — each layer independently confirming the buyer is real, present, and who they claim to be.
Live selfie video captured at contract signing
Government ID scanned — front & back verified
Biometric match — face compared to ID in seconds
Geolocation & timestamp stamped to the deal
Fraud checks run — alerts sent if anything flags
Verified ✓ — lender funds with full confidence
Every Verification Comes With Proof
VerifyHub doesn't just check a box — it produces a complete, tamper-proof identity record tied to the VIN and loan file.
Live Video Identity Verification
Buyer submits a selfie-video at the point of contract signing. Our AI matches the live face against a government-issued photo ID in seconds — no app download required, works on any smartphone.
Biometric Authentication
Liveness detection and biometric matching confirm the person on camera is real and is who they claim to be — stopping synthetic identity fraud and straw-buyer schemes before the loan funds.
Geolocation & Timestamp Capture
Every verification is stamped with GPS coordinates and an exact timestamp, proving the buyer was physically present at the dealership at the moment of contract execution.
Contract-Linked Audit Trail
Each verification is tied to the VIN and loan file, producing a tamper-proof record that travels with the deal — ready for auditors, secondary-market buyers, or legal proceedings.
Real-Time Fraud Alerts
If a face match fails, the ID is flagged, or the geolocation doesn’t match the dealer address, your lending team is alerted instantly — before funding is released.
Bank-Grade Security & Compliance
All data is encrypted in transit and at rest. VerifyHub is built to meet GLBA, Red Flags Rule, and CIP requirements, strengthening your anti-fraud compliance posture.
From Request to Verified in Under a Minute
Lender Sends Request
The lender initiates a verification request via VerifyHub, linked to the VIN and loan file. The dealer or buyer receives a secure link — no app download required.
Buyer Receives Link
The buyer opens the secure link on any smartphone and completes the video verification: selfie video, government ID, biometric check, and geolocation capture.
Biometric Verification
VerifyHub’s AI matches the live face against the government-issued photo ID in seconds. Liveness detection confirms the person is real and present — not a photo or deepfake.
Lender Funds with Confidence
The lender reviews the tamper-proof verification record — video, ID, biometrics, GPS, and timestamp — and releases funding knowing the buyer is who they claim to be.
How VerifyHub Transforms Lending
Auto loan fraud costs lenders billions every year. Straw buyers, synthetic identities, and stolen credentials slip through manual reviews. VerifyHub closes the gap — proving identity at the moment that matters most: the instant the contract is signed.
Eliminate Straw-Buyer Fraud
Straw buyers are the #1 source of auto loan fraud. VerifyHub’s biometric matching and liveness detection confirm the person signing is the real buyer — not a paid stand-in — before the loan is booked.
Dispute-Ready Evidence
Every verification produces a complete evidence package — video, ID, biometrics, GPS, and timestamp — tied to the VIN. When a loan goes to litigation or collections, you have irrefutable proof of who signed.
Fund Loans Faster
Manual identity reviews take hours or days. VerifyHub delivers a verified result in under 60 seconds, so your lending team can fund clean deals immediately and flag risky ones instantly.
Strengthen Compliance Posture
Meet GLBA, Red Flags Rule, and CIP requirements with documented, auditable verification on every loan. Examiners and auditors see a consistent, defensible process — not a paper trail.
Portfolio-Wide Visibility
Every verification flows into a central dashboard. Lending teams can see verification status across the entire portfolio, spot patterns, and catch repeat offenders before they strike again.
Secondary-Market Ready
Loans verified through VerifyHub carry a tamper-proof audit trail that gives secondary-market buyers and securitization partners confidence in the identity behind every contract.
Regulatory-Ready From Day One
VerifyHub is engineered to meet the regulatory frameworks that govern automotive lending — so every verification strengthens your compliance posture, not just your fraud defenses.
GLBA
Gramm-Leach-Bliley Act data protection
Red Flags Rule
Identity theft prevention program
CIP
Customer Identification Program compliance
SOC 2
Service organization security controls
Institutional-Grade Verification, Engineered for Scale
VerifyHub is our high-security verification layer designed specifically for the automotive lending and floorplanning ecosystem. By integrating directly into your onboarding workflows, it eliminates document fraud, automates compliance, and accelerates funding.
Automated, AI-Driven Identity Validation
Real-Time License Verification
Instantly parse and validate driver’s licenses using advanced OCR and computer vision. Reduce manual review times from days to seconds.
Biometric & Liveness Checks
Prevent identity spoofing with integrated biometric authentication, ensuring the person applying for the loan is physically present and the owner of the document.
Seamless Multi-Modal Verification Workflows
Self-Service or Guided
Choose the right touchpoint for your buyer. Enable frictionless self-service verification for tech-savvy users, or trigger Guided Sessions for high-touch, complex transactions.
Touchscreen Fingerprinting
Capture digital fingerprints directly on the buyer’s device, adding an immutable layer of non-repudiation to every document packet.
Anti-Fraud & Risk Mitigation
Cross-Lender Fraud Detection
Leverage our unique industry-wide network to flag suspicious buyers who use the same phone number or identity information across multiple different lending partners.
Geo-Fenced Auditing
Automatically capture geolocation data at the time of document submission to ensure the transaction originates from a legitimate business location, preventing remote phantom transactions.
Frictionless Onboarding & Funding
Audit-Ready Digital Certificates
Every successful verification generates a cryptographically signed, immutable PDF certificate. These include time-stamped evidence of identity, license images, and location — giving your compliance team a perfect audit trail every time.
Faster Funding
By digitizing the verification process, you remove the biggest bottleneck in the dealership-to-lender workflow, allowing you to move from contract to funded status in record time.
Enterprise-Ready Architecture
Scalable Integration
Designed to support thousands of concurrent users with reliable, high-uptime cloud infrastructure.
Compliance-First Design
Built with privacy and regulatory compliance as the core architectural principle, ensuring that sensitive buyer data is handled securely throughout the entire verification lifecycle.
Stop Fraud Before Funding
If a face match fails, the ID is flagged, or the geolocation doesn't match the dealer address, your lending team is alerted instantly — before a single dollar is released. VerifyHub puts the fraud check between the contract and the funding, exactly where it belongs.
No App. No Friction. Any Smartphone.
The buyer receives a secure link and completes the entire verification in their phone's browser — no download, no account, no friction. It works on any device, at any dealership, in any state.
Fund Every Loan with Confidence.
See how VerifyHub confirms the buyer at the moment of contracting — and gives your lending team the proof they need to fund clean deals and stop fraud before it starts.