Incode Identity Verification API
Incode identity verification REST API for biometric KYC, document verification, and fraud prevention. Enables AI agents to manage government ID document scanning and verification for KYC onboarding automation, handle facial biometric liveness detection and selfie-to-ID matching for identity verification, access real-time fraud risk scoring and synthetic identity detection for AML compliance, retrieve age verification and document authenticity scoring for regulated access control, manage repeat visitor recognition and identity persistence for secure customer authentication, handle enterprise biometric enrollment and authentication for workforce identity management, access OCR extraction from government documents for identity data capture automation, retrieve identity session audit trails for compliance documentation, manage multi-country document type support for global KYC onboarding, and integrate Incode with banking, gaming, healthcare, and government identity verification workflows.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Identity verification. SOC2, ISO27001, GDPR. API key. US/EU/LATAM. Biometric and government ID data.
⚡ Reliability
Best When
A bank, fintech, gaming operator, or healthcare provider wanting AI agents to automate KYC identity verification, biometric liveness detection, document authenticity scoring, and fraud risk assessment for regulated onboarding workflows.
Avoid When
BIPA AND BIOMETRIC PRIVACY LAWS: Incode biometric facial recognition creates compliance obligations under Illinois BIPA, Texas CUBI, Washington My Health MY Data, and other biometric privacy laws; automated biometric collection without informed written consent, retention schedule, and destruction policy creates class action liability. FCRA adverse action — automated identity verification decisions used for credit or employment decisions are subject to FCRA adverse action notice requirements; automated KYC rejection without FCRA-compliant adverse action notice creates federal consumer protection violation. ADA accommodation — automated ID verification that cannot accommodate individuals without valid government ID creates ADA accommodation obligation for certain regulated contexts. GDPR biometric data — biometric data is special category data under GDPR; automated biometric processing in EU requires explicit consent or other lawful basis and Data Protection Impact Assessment. Disparate impact — facial recognition accuracy varies by demographic group; automated identity verification with higher error rates for minority populations creates Fair Housing, ECOA, or civil rights disparate impact risk.
Use Cases
- • Verifying customer identity from KYC onboarding agents
- • Detecting synthetic fraud from AML compliance agents
- • Verifying age from regulated access control agents
- • Authenticating repeat visitors from biometric identity agents
Not For
- • Non-regulated industries without KYC requirements
- • Domestic employee verification without identity verification context
- • Low-risk applications without identity fraud exposure
Interface
Authentication
Incode uses API key authentication. REST API with JSON. San Francisco, California HQ. Founded 2015. Private (SoftBank Vision Fund 2, General Atlantic, GGV Capital). Identity verification and biometric authentication. 100M+ verifications processed. Unicorn ($1.25B+ valuation). Competes with Jumio, Onfido, Socure, and Persona for KYC identity verification.
Pricing
San Francisco. SoftBank/General Atlantic/GGV-backed. Founded 2015. Unicorn $1.25B+. 100M+ verifications. Identity and biometric platform.
Agent Metadata
Known Gotchas
- ⚠ BIPA BIOMETRIC CONSENT MANDATORY: Automated biometric facial data collection requires prior written informed consent under Illinois BIPA and equivalent state laws; no automated biometric collection without consent workflow, retention schedule, and destruction policy — class action exposure is significant
- ⚠ FCRA ADVERSE ACTION for KYC rejections — automated identity verification rejections used in credit, employment, or housing decisions require FCRA-compliant adverse action notices; automated denial without notice creates federal consumer protection violation
- ⚠ Facial recognition accuracy disparate impact — biometric verification accuracy varies by demographic group; automated rejection rates higher for minority populations create Fair Housing, ECOA, or civil rights disparate impact liability; monitor error rates by demographic and implement human review fallback
- ⚠ GDPR special category biometric data — biometric data requires explicit consent or other Article 9 lawful basis in EU; automated biometric processing without DPIA and explicit consent basis creates GDPR violation
- ⚠ Document type coverage limits — Incode supports documents from 190+ countries but coverage varies by document type and vintage; automated document rejection for unsupported types must implement human review fallback for legitimate customers
- ⚠ Session timeout and abandonment — biometric verification sessions have time limits; automated workflows must handle user session abandonment and provide re-entry without restarting full verification
Alternatives
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Scores are editorial opinions as of 2026-03-07.