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eKYC: Verify identities without asking for documents
Not every market needs a selfie and a passport scan. In many jurisdictions, validating personal information directly against government registries and credit bureaus is faster, equally defensible, and what regulators actually expect.
In partnership with GBG, Dotfile now supports eKYC — database-driven identity verification across 45+ countries. It's a fully internal check: no end-user interaction, no document upload, no waiting. You launch it, the result comes back in under a second.
How it works
Dotfile sends the individual's information to GBG, who validates it against national databases — government registries, credit bureaus, and other authoritative sources. Each field (name, date of birth, address, national identifier) is assessed individually and returns a match status. Our default configuration uses 2-source matching, meaning identity must be confirmed against at least two independent data sources before an approval is returned. When sources disagree, you can see exactly which one flagged the discrepancy.
What lands in your queue
Results map to three outcomes. A 2-source pass triggers automatic approval. An alert — meaning negative information was found, such as a fraud flag or deceased record — triggers automatic rejection. Anything in between (a partial match, a single-source pass, insufficient data) comes through as Need Review for your team to assess. Auto-approval and auto-rejection are configurable at the workspace level.
eKYC vs. document-based IDV: when to use which
eKYC is the right tool when database verification is accepted in your jurisdiction, when you want to reduce onboarding friction for lower-risk individuals, or when you need a fast pre-screening step before committing to full document review. Document-based IDV remains the standard where regulations explicitly require it or where the risk profile warrants it. The two aren't mutually exclusive — you can combine both in a single Template, using eKYC as the first pass and escalating to IDV only when needed.
Getting the best pass rates
The quality of your input data directly affects results. The more fields you provide — especially national identifiers like SSN or CPF — the higher your confidence score. Common failure points: misspelled names, incomplete addresses, missing postal codes, and encoding issues with names that include diacritics (é, ü, ñ). If you're seeing higher-than-expected Need Review rates, that's usually where to look first.
Automated Document Purchase: Documents ready before your team opens the case
Chasing registration certificates, financial accounts, and UBO extracts across jurisdictions is the kind of work that eats analyst time without adding judgment. Auto Purchase removes it entirely.
Configure which official documents should be ordered as part of a workflow — at the Template level, once. When a case is created, Dotfile purchases and attaches them automatically. Coverage includes France, the UK, Germany, Italy, and 40+ additional countries via Kyckr. Your team opens the case, the documents are already there, matched to the relevant checks and ready for review.
SSO / OIDC: One login, centrally managed
Your team can now authenticate into Dotfile via your existing Identity Provider — Google Workspace, Microsoft Entra ID, Okta, or any OIDC-compliant provider. Workspace admins can enforce SSO as the only permitted login method and manage access without separate Dotfile credentials.
For organizations where IT controls access to every tool in the stack, this closes the last gap.
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