Onfido

Onfido is an AI-powered identity verification platform with a long track record in financial services KYC compliance. Its check-based API model — where individual checks (document, facial similarity, identity, right to work) are requested and return structured reports — provides granular control over what verification is performed and detailed results for each check type. For agents orchestrating compliance decisions, the structured report model enables more nuanced decision logic than simple pass/fail outcomes.

The API covers applicants, checks, reports, documents, and live photos. The workflow: create an applicant, upload documents and biometric data, create a check, and retrieve the resulting reports. Each report covers a specific verification dimension with detailed breakdown data — document authenticity analysis, facial similarity scores, identity database match results — enabling agents to implement compliance logic appropriate for the specific regulatory context.

Authentication uses API tokens with environment separation (sandbox/live). Onfido's API token provides access to applicant and check data, which is sensitive PII and biometric data — the highest tier of data protection obligations apply. Teams should treat Onfido credentials with the security standards appropriate for biometric data controllers.

Reliability is enterprise-grade and compliance-validated. Onfido maintains certifications (ISO 27001, SOC 2, GDPR compliance documentation) that regulated industry clients require. The check processing is asynchronous — agents should implement the webhook pattern for check completion notification rather than polling, as processing times vary by check type and document quality.

Documentation is comprehensive and compliance-context-aware. The report breakdown documentation explains each check result field and its interpretation in compliance decision contexts. Teams implementing agent-driven KYC workflows in regulated industries will find Onfido's documentation covers the compliance interpretation layer, not just the technical API integration.