Know Your Customer Match

API Description

The “Know Your Customer Match” API enables applications to compare selected customer identity attributes provided by the API consumer with the corresponding information held and verified by the end user’s Mobile Network Operator in its KYC records.

The API helps service providers confirm whether user-provided information, such as name, address, postal code, birthdate, email address, identity document information or nationality, matches the operator-held customer record associated with a mobile line.

The API returns per-attribute match outcomes, not the underlying operator-held identity values. For each requested attribute, the response indicates whether the information matches, does not match or is not available to validate.

Where supported by the API provider, the response may also include an optional match score for selected string attributes to indicate the degree of similarity when the submitted value does not exactly match the operator-held value.

Developers can use the API in onboarding, account creation, KYC refresh, fraud prevention, account verification, e-commerce and regulated service journeys where the application needs to validate user-provided identity information with lower friction than manual document checks.

The API is not a data retrieval API and does not pre-fill forms. For retrieving selected customer attributes, use Know Your Customer Fill-in. For checking whether a user meets an age threshold, use Know Your Customer Age Verification.

This API provides:

A KYC match function that compares selected user-provided identity attributes against the corresponding operator-held KYC record associated with a mobile line.
Per-attribute match results indicating whether each requested attribute is `true`, `false` or `not_available`.
Privacy-preserving comparison, because the API returns match outcomes rather than the operator-held identity values themselves.
Optional match scores, where supported, for selected string attributes that do not exactly match the operator-held value.
Support for onboarding and identity assurance workflows, including account creation, KYC refresh, fraud prevention, profile verification and regulated service access.

Use Cases

Digital Onboarding and Account Creation: Banks, fintechs, marketplaces, mobility services and digital platforms can use KYC Match during account creation to check whether the identity information provided by the user matches the operator-held KYC record associated with the mobile line.
KYC Refresh and Customer Profile Verification: Regulated or trust-sensitive services can use the API to periodically validate whether selected customer attributes still match operator-held records, helping maintain more accurate customer profiles.
Fraud Prevention and synthetic Identity Detection: Service providers can compare user-provided attributes against verified operator records to detect inconsistencies that may indicate synthetic identities, identity theft or fraudulent account creation.
Account Verification before sensitive Actions: Applications can call KYC Match before account recovery, profile changes, payment method updates or other sensitive actions where confirming user-provided identity information reduces risk.
E-Commerce and Marketplace Trust: Online retailers and marketplaces can use the API to validate buyer or seller identity attributes during registration, checkout, high-value purchases or seller onboarding.
Regulated Service Access and Compliance Support: Financial services, insurance providers and other regulated businesses can use KYC Match as one signal within their broader KYC, compliance and customer due diligence processes, subject to local regulation and provider policy.

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