“Carrier-grade identity intelligence, now deployable without a single line of backend code.”
The Cost of Doing Nothing
Before we talk about the solution, it’s worth pausing on the scale of the problem — because the numbers have gotten harder to ignore:
(TransUnion)
(LexisNexis)
(Gartner)
These numbers tell two distinct stories. The first is velocity — fraud isn’t stable, it’s accelerating. The second is consequence — fraud losses don’t end at the transaction. Every dollar lost triggers a cascade of recovery costs, legal exposure, and labor that multiplies the damage several times over. The organizations feeling this most acutely aren’t always the ones with the biggest security budgets. They’re the ones building and running digital products where every point of friction costs conversions, and every fraudulent account costs trust.
They need fraud prevention that works — and they need it fast.
A Platform Built for Everyone
The Zumigo IDV Builder is a purpose-built, no-code platform that lets any business deploy powerful identity verification workflows directly into their product — no API expertise required.
See it in action: watch the how-it-works video →
At its core, the Builder gives product and business teams access to the same authoritative, real-time identity intelligence that Zumigo has delivered to the world’s largest banks and fintechs for years: carrier data from global mobile network operators, behavioral signals, device intelligence, and cross-referenced identity records — all surfaced through a simple, embeddable widget.
Core Widget Types
Instantly auto-populates form fields with verified identity data. A user provides their phone number and DOB — the platform handles the rest, eliminating form fatigue and boosting conversion.
Performs a full identity verification check against real-time carrier records, returning a precise match result for name, address, DOB, and SSN. No pre-fill, pure authentication.
Both widget types produce a Trust Score — a weighted 0–100 confidence score built from three independent components: Identity & Data, Phone Verification, and Device & Location. Every transaction is logged with a complete audit trail, giving compliance teams the transparency they need.
How Verification Works
The platform leads with Silent Network Authentication (SNA) — a passive, carrier-level check that confirms a user’s phone number and device without requiring any input from them at all. When SNA isn’t available, a secure SMS OTP serves as fallback. Together, these methods cover virtually every scenario, with the most frictionless path always taken first.
Start with KYC Prefill and KYC Verify — and there’s more on the way. Coming next: Passwordless Authentication widgets to secure the full login lifecycle, Age Verification for regulated industries, and Document Verification with Selfie / Liveness Detection for higher-assurance flows. The IDV Builder is built to grow with you.
The result is a verification experience that asks almost nothing of the user while providing the business with deeply authoritative identity signals — pulled directly from mobile network operators and other trusted data sources in real time.
The Intelligence Behind the Widget
What makes the IDV Builder different isn’t the interface — it’s what’s underneath it. Zumigo’s identity intelligence spans:
Real-time SIM change history, number porting status, account tenure, line type, deactivation events, and call forwarding indicators — direct from MNOs.
Phone Trust Score, Account Takeover Protection Score, SIM activity, and disposable number detection — layered signals that catch what single-point checks miss.
Name, address, DOB, and SSN matching against authoritative sources including carrier billing records, credit and financial data, and Zumigo’s Digital Identity Network.
Device fingerprinting, OS details, VPN/proxy detection, and IP-based geolocation — contextual signals that reveal anomalies invisible to identity-only checks.
Every Path to Integration, Covered
The IDV Builder represents the latest chapter in Zumigo’s commitment to meeting businesses wherever they are. For years, we’ve provided the full depth of our identity intelligence across multiple access models — and that hasn’t changed:
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API
REST APIs for complex, custom integrations requiring deep programmatic control
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SDK
SDKs for native mobile and web applications — embed verification directly into your app
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Shopify & BigCommerce apps for e-commerce teams — drop-in fraud prevention for your storefront
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IDV Builder widgets — no-code/low-code for product teams with no backend required
Whether you’re a Fraud & Risk team running custom decisioning logic through our API, an engineering team embedding our SDK into a native app, an e-commerce operator using our Shopify or BigCommerce integrations, or a product manager who needs a working verification flow by next sprint — Zumigo has a path built for you.
Built With Security Baked In
Access to the Zumigo IDV Builder is not a self-serve free-for-all. Every business that activates a Live account goes through a formal vetting process: entity verification, sanctions screening against the OFAC list, use-case review for regulatory alignment (CCPA, GDPR, GLBA), and security posture assessment. Ongoing monitoring ensures continued compliance after activation.
On the consumer side, every verification flow displays a clear, Zumigo-hosted privacy policy and explicit data sharing consent — a layer that Zumigo controls directly to protect both the end user and the businesses using the platform.
Get Started Today
The Zumigo IDV Builder is live at zumigo.com/idv-builder/. New accounts start in a fully isolated Test environment with simulated data, so your team can build, configure, and explore the platform before any real customer data is involved. When you’re ready to go live, the business onboarding process takes less than ten minutes to submit.
Pricing starts at $9.99/month on the Starter plan, with Accelerate and Professional tiers designed for growing and enterprise-scale verification volumes, respectively.
The identity fraud problem isn’t waiting. Now, neither should you.
Start Building for Free
Explore the IDV Builder with simulated data — no commitment, no backend required.
zumigo.com/idv-builder/
About Zumigo
Zumigo powers digital identity verification for the world’s largest enterprises, protecting transactions, accounts, and trust using real-time intelligence across mobile, email, device, financial, and account data. Our modernized, multi-layer approach fortifies the identity perimeter against today’s complex fraud while delivering a streamlined consumer journey from onboarding to every subsequent transaction. Learn more at zumigo.com.