Identity proofing
KYC Core proves identity remotely, without a branch visit. A Thai applicant uses the national ID card; a foreign applicant uses an NFC passport. A live face check ties the person to the document, and an SMS one-time code binds the mobile number as the second factor.
Who does it: the applicant. The results are read by officers on the identity tab of the application and customer file.
The two documents
Section titled “The two documents”1 Core System accepts exactly two identity documents, because any other document brings a long list of supporting papers:
| Applicant | Document | What is captured |
|---|---|---|
| Thai national | National ID card | A photo of the front. The applicant types the laser code from the back; the back is never photographed or kept. |
| Foreign national | NFC passport | The chip is read and checked to ICAO Doc 9303. Native mobile app only; on the web a QR code hands this step to the app. See NFC passport chip check. |
For branch or kiosk onboarding, a chip reader reads the ID card’s electronic chip and verifies its signature.
- Document. Photograph the front of the ID card and type the laser code, or scan the passport chip in the mobile app.
- Face check. A live face check runs inside the application page and compares the face with the document. If the frame fails to load, a button opens the same check in the same tab. There is no limit on attempts.
- Mobile number. An SMS one-time code confirms the number and binds it as the second factor for signing.
- Checks with the state. At submission, the ID card is checked online against DOPA (ID number, first name, last name, date of birth, laser code), and the applicant confirms identity through a digital ID. Both run through the institution’s own connections, one per institution. See Integrations.
What officers see
Section titled “What officers see”The identity tab shows the document images, the face images, the liveness result, the face-match result and each item checked: the five DOPA fields for an ID card, or, for a passport, the result of each chip check (A1, A2, A3), the access protocol used (PACE or BAC) and the revocation result.
What the system does or refuses
Section titled “What the system does or refuses”- No third document. Driving licences, house registrations and other papers are not accepted.
- A DOPA mismatch after signing cannot say which field was wrong, so the applicant is taken back to the five fields, pre-filled, to check against their own card. They confirm again on the signing page; within 15 minutes of signing the signature stands, after 15 minutes the face rescan and SMS code are repeated.
- Liveness failures are kept only as a reference — provider, session number, status and time — so they can be traced with the provider. See Records and retention.