How a platform verify users KYC ?

[Z_MBFM]

Each country's government document is stored in the government's database, such as National ID Card, its validity can be checked only by the Election Commission of each country. So when NID is submitted for kyc to a site how do they verify that document is real or not.

Anyone can make a fake NID with third party website or  using editing software like Photoshop and print that document on a paper or plastic card. then how can they verify this. As far as I know, NID documents are not available anywhere except in government data repositories. So this question is always in my mind. Can someone clear this up for me?

[Hazink]

If the exchange or any platform that's asking for KYC is fully regulated to fit in the regulatory compliance, each government body should be able to generate or give them access to such a database to verify if the provided information is correct or not.

For the platforms that don't have access to such data they usually make use of some third party KYC verifier which they can check and detect the blur part in document picture out the error if it's edited or not.

But whichever process they use, there is no 100% legitimate result; people will still find their way around to cheat and use fake documents that are either AI-generated or photoshopped.

[Bitcoin Smith]

We can see websites mention they use third party to verify the KYC documents not sure what's the process behind, but it's not that simple to get verified with a fake ID. Government provided IDs got some kind of security elements like a hologram or anything that can't be replicated, so printing out a fake one won't look like the same unless you got access to that actual ID printer.

On top of that exchanges comply with the laws of each country for example Binance had to comply with FIU to operate in India so they can actually verify the document submitted is legitimate via government authorities.

[DaNNy001]

We can see websites mention they use third party to verify the KYC documents not sure what's the process behind, but it's not that simple to get verified with a fake ID. Government provided IDs got some kind of security elements like a hologram or anything that can't be replicated, so printing out a fake one won't look like the same unless you got access to that actual ID printer.

On top of that exchanges comply with the laws of each country for example Binance had to comply with FIU to operate in India so they can actually verify the document submitted is legitimate via government authorities.

Don't write out the power of manipulating fake ID because I believe if there is an original then someone somewhere too can make fake, just that it all boils down to the server or third party service that is used to check this because I have seen some fake ID that is completely undetectable with the eyes but if the data are promptly organized and scrutinized then they will definitely know the difference between an ID that's fake but the case is different though if the checker is done directly from the host of the server housing these information because they can simply detect such isn't in there system but can't say the same for third party verifier.

[coupable]

Each country's government document is stored in the government's database, such as National ID Card, its validity can be checked only by the Election Commission of each country. So when NID is submitted for kyc to a site how do they verify that document is real or not.

Anyone can make a fake NID with third party website or  using editing software like Photoshop and print that document on a paper or plastic card. then how can they verify this. As far as I know, NID documents are not available anywhere except in government data repositories. So this question is always in my mind. Can someone clear this up for me?

There is no need to verify databases because it is impossible. Sites that require KYC verification only check that the user is not sending fake or modified photos. If the authorities suspect a user, the site will provide the authorities with the data that the user provided and the site was able to verify the validity of that data. At an advanced stage, the user is even asked to provide proof of the source of the deposits and the site can verify based on the matching of the data.

[Catenaccio]

Each country's government document is stored in the government's database, such as National ID Card, its validity can be checked only by the Election Commission of each country. So when NID is submitted for kyc to a site how do they verify that document is real or not.

Anyone can make a fake NID with third party website or  using editing software like Photoshop and print that document on a paper or plastic card. then how can they verify this. As far as I know, NID documents are not available anywhere except in government data repositories. So this question is always in my mind. Can someone clear this up for me?

I think they won't verify your ID document is valid or not, but they mainly verify that documents submitted by you are not photoshopped, not editted, and that's it. They also will check your face on documents submitted and your face verification on videos / camera. If they see match between documents and video/ camera checking, they will approve your KYC.

Only governments have sharing systems so that they can verify ID information of a person cross nations. For exchanges, online platforms, no way for them to do that as no access to governmental databases.

[Helena Yu]

Did you forget KYC isn't only a picture of your National ID Card?

They also ask a pict of selfie while holding your ID Card and sometime they ask real time face verification. You might say, we can create fake ID Card, we can use AI to use someone face etc. But, sooner or later they will find out you're using someone else identity, be ready to face it because you're committing crime.

[OcTradism]

Did you forget KYC isn't only a picture of your National ID Card?

They also ask a pict of selfie while holding your ID Card and sometime they ask real time face verification. You might say, we can create fake ID Card, we can use AI to use someone face etc. But, sooner or later they will find out you're using someone else identity, be ready to face it because you're committing crime.

It is and KYC has different levels like Level 1 with email address, Level 2 with your full name, nationality, phone number, Level 3 with your ID document for verification, Level 4 with video verification and more.

For basic levels, uploading your ID documents and the company or their partner company can check whether your ID document is original or photoshoped. If it is original, they will verify your document and your KYC will succeed at that level.

Basically the reminder is Why KYC is extremely dangerous and useless.

[God Of Thunder]

Each country's government document is stored in the government's database, such as National ID Card, its validity can be checked only by the Election Commission of each country. So when NID is submitted for kyc to a site how do they verify that document is real or not.

Anyone can make a fake NID with third party website or  using editing software like Photoshop and print that document on a paper or plastic card. then how can they verify this. As far as I know, NID documents are not available anywhere except in government data repositories. So this question is always in my mind. Can someone clear this up for me?

In most cases, the platform does not even verify your documents. Whoever works in the KYC department they have a lot of experience in handling documents, and they can find the difference between real and fake documents. But as you know, some people are very good at Photoshop, and they can make realistic documents. In this case, human eyes won't be able to detect a fake document.

When it comes to banks, they do have access to some 3rd party services that they use to verify National ID cards. However, most of the other services, like NGOs, insurance companies, do not verify documents online.

As for casinos and exchanges, there is no way to check them online. They just rely on their expert employees.

[davis196]

Each country's government document is stored in the government's database, such as National ID Card, its validity can be checked only by the Election Commission of each country. So when NID is submitted for kyc to a site how do they verify that document is real or not.

Anyone can make a fake NID with third party website or  using editing software like Photoshop and print that document on a paper or plastic card. then how can they verify this. As far as I know, NID documents are not available anywhere except in government data repositories. So this question is always in my mind. Can someone clear this up for me?

Are you sure about this statement? I think that some businesses have a license to operate with sensitive personal data, which gives them access to the government data repositories.
I'm not an expert in this field and I believe that most forum members aren't expects in the field of KYC and ID verification.
ID verification has been done by apps like Onfido, ID.me, Jumio, etc. Those apps have their methods to determine whether an ID card is fake or real. I don't know how they do this. Maybe they have access to government data repositories. Maybe you should ask someone, who works for such companies. If it was possible for everyone to submit a photoshopped ID card and pass ID verification, all the people around the world would do it.

[Z_MBFM]

Each country's government document is stored in the government's database, such as National ID Card, its validity can be checked only by the Election Commission of each country. So when NID is submitted for kyc to a site how do they verify that document is real or not.

Anyone can make a fake NID with third party website or  using editing software like Photoshop and print that document on a paper or plastic card. then how can they verify this. As far as I know, NID documents are not available anywhere except in government data repositories. So this question is always in my mind. Can someone clear this up for me?

Are you sure about this statement? I think that some businesses have a license to operate with sensitive personal data, which gives them access to the government data repositories.
I'm not an expert in this field and I believe that most forum members aren't expects in the field of KYC and ID verification.
ID verification has been done by apps like Onfido, ID.me, Jumio, etc. Those apps have their methods to determine whether an ID card is fake or real. I don't know how they do this. Maybe they have access to government data repositories. Maybe you should ask someone, who works for such companies. If it was possible for everyone to submit a photoshopped ID card and pass ID verification, all the people around the world would do it.

Yes i am sure, think logically, i am from from Bangladesh there is gambling and crypto totally illegal then why our government will allow to verify government NID documents for any gambling or crypto related platform. but here i can easily successfully pass KYC verification on any gambling and crypto related platform.

That's why i am asking this question here. i have confusion on this verification process

[Darker45]

KYC isn't just a private initiative by certain platforms. It's actually implemented according to the laws, regulations, and official policies of governments. It's done in accordance to agreements, partnerships, and cooperation between countries. KYC is primarily designed to combat money laundering, terrorism, and crimes.

Having said that, access to government databases and other official information repository could easily be provided for verification and cross-referencing purposes. After all, it's the government itself that benefits from it more than any other.

However, in many countries, mine included, as well as in many KYC services, I doubt of its strict implementation. Perhaps those with huge balances and large regular transactions are treated differently.

[FinneysTrueVision]

There is a surprisingly large amount of personal data which is available online. For basic verification methods these public records may be used to determine whether you provided legitimate information. It will depend on what level of compliance a website is in need of. There are services that specialize in KYC that are given access to official government databases and they are contracted by casinos and exchanges.

[tabas]

That's why i am asking this question here. i have confusion on this verification process

Helena Yu has said the right process of how most of the casinos and even the exchanges do their KYC verification. It's not just that you'll send them a photo of the NID, and then you're good to go. There are stages of it, and it depends on the limits that they set for each tier. So, if that's the first process that they have and you only have to send photo, that's level 1. But with most of them trying to be stricter around, they're requiring selfies with it. That's making the process harder for those that have fake ids. Although I don't think that they come unprepared for that, they'll have everything set and with their whole new faces on the fake NIDs as well.

[LTU_btc]

Most of websites are using 3rd party services for KYC verification, they're not doing it themselves. These services have developped soft which can spot difference between original and fake documents. How exactly they're doing it, nobody isn't going to tell us for obvious reasons.
It's still possible to get verified with photoshoped ID card or passport on some websites where verification is as basic as sending scan of your document. But most websites have more sophisticated KYC with requirements like sending selfie or something similar.

[dkbit98]

I did some basic research about this topic a while ago and I found out that most exchanges are using third party services for performing user kyc registration.
They are not confirming if identity is real but they can probably detect if someone is attempting to cheat the system.
I remember there was one service selling ai generated documents that worked fine with some exchanges.

[Potato Chips]

Yes i am sure, think logically, i am from from Bangladesh there is gambling and crypto totally illegal then why our government will allow to verify government NID documents for any gambling or crypto related platform. but here i can easily successfully pass KYC verification on any gambling and crypto related platform.

That's why i am asking this question here. i have confusion on this verification process

Actually, a lot of crypto gambling platforms and exchanges are off-shore businesses hence, you'd find that they can be laxer/was laxer at some point. In addition, they may not be necessarily 'fully' in compliance with every local country they make their services available to-- emphasis on "fully". This is pretty much why some popular exchanges have gotten in trouble in some places, I'm sure you've heard some news.

[joniboini]

It seems like more platforms started using live video for verification. A few months ago I got interviewed and they asked me for a live video session. Some services that I use (not limited to crypto) also ask me to redo my KYC. I'm sure some hackers can trick that if they wanted to since it relies on API and so on, but for the average joe they'll probably stop and move to other platforms if they can't pass the KYC. It's too much hurdle for most users imo.

[hugeblack]

Usually they use third party services to verify the data but usually they check whether the ID images are real or not, meaning that fake documents are easy to detect and high quality ones cost tens of thousands of dollars so they are rarely used by many.

these services do not care about KYC ( whether the documents are real or fake^[1]) as far as compliance with regulations is concerned, even Binance was involved in allowing traders without properly verifying their identities.


[1] https://cointelegraph.com/news/ai-generated-fake-ids-pass-crypto-exchange-kyc-onlyfake

[Distinctin]

I'm pretty sure a third party doesn't have direct access to the government's database, but they do have systems that can verify whether a submitted ID is fake or not. These companies specialize in identity verification, which is why financial institutions, including exchanges, hire them to ensure that all documents are properly evaluated before deciding whether they pass or not.

For example, there's https://kyc-chain.com/ , which provides services to exchanges to help them comply with government regulations, particularly those related to anti-money laundering (AML).