Address Verification

Proof of residence, weighted to the risk.

Three ways to confirm a customer's address, app-based, WhatsApp or field agent. You choose which method applies to which risk tier, and can change the mix at any time, no fixed one-size-fits-all requirement.

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Choose by risk

Risk-based address verification.

You decide which method applies to each customer segment, and can reconfigure the mix as your risk appetite changes. Nothing is locked to a single default.

Low–Medium Risk
Digital · App
Passive location confirmed over several days, inside your own mobile app.
  • Customer enters a one-time code
  • Pins their home address
  • Adds geolocated pictures
  • App confirms presence over 3 nights
Consent-first Anti-spoofing built in
TurnaroundFrom 72 hours
EvidencePresence over days
Third partyNone required

LIGHTER EVIDENCE

Low–Medium Risk
Digital · WhatsApp
Live location plus an independent witness, run entirely over WhatsApp. No app required.
  • Customer invited over WhatsApp
  • Shares live location at address
  • Nominates a nearby witness
  • Witness verifies customer's location
No app required Independent witness
TurnaroundFrom 5 minutes
EvidenceLive location + witness
Third partyWitness confirmation

MID-WEIGHT EVIDENCE

High Risk
Physical · Field Agent
A trained agent visits, interviews, speaks to neighbours, and photographs the property.
  • Case assigned to a field agent
  • Agent visits the address
  • Geotagged photos
  • Structured report issued with outcome
Neighbour enquiry Photographic evidence
Turnaround72–96 hours
EvidenceAgent visit, interview, photos
Third partyNeighbour corroboration

HEAVIEST EVIDENCE

At a glance

Side by side.

Digital · App Digital · WhatsApp Physical · Field Agent
Evidence weightPassive presence over daysLive location + witnessAgent visit, interview, photos
Customer needsYour mobile appOnly WhatsAppNothing — agent comes to them
Third partyNot included✓ Witness✓ Neighbour
Photographic proof✓ Geotagged✓ Geotagged✓ Geotagged
TurnaroundFrom 72 hoursFrom 5 minutes72–96 hours
Risk tierLow–MediumLow–MediumHigh

Connected to risk rating

Address verification feeds the customer risk score.

Address verification isn't a standalone check. The result is passed into the customer's risk profile to influence their risk rating.

All verification results — outcome, method used, agent GPS coordinates, photographs and witness details — are stored in the audit trail and available to regulators.

📍
Address verified — Field Agent
C&S Road, Igboho, Oyo · Geotagged
Verified
Effect on risk profile Address verification weight: High · Risk score adjustment: −8pts · Monitoring threshold: Standard
📍
Address unverified
Customer declined verification request
Pending
Effect on risk profile Address verification weight: None · Risk score adjustment: +12pts · Monitoring threshold: Enhanced

The platform

Address verification, in one view.

portal.regfyl.com
Address verification
Customer · •••• 4821
High confidence
App-based passive presence
Verified
Geolocation match
Verified
WhatsApp + witness
Not required
Field agent visit
Not required

The right proof for every customer.

Tell us your risk tiers. We'll map the right method mix and show you a live report from each.

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