## What is Consumer Onboarding?  
The **Consumer Onboarding** solution is a preconfigured RiskOS™ workflow that verifies consumer identity, screens for fraud, and enforces compliance in a unified onboarding workflow. It orchestrates multiple enrichments — identity verification, device intelligence, fraud scoring, and watchlist screening — to produce an **ACCEPT**, **REVIEW**, or **REJECT** decision with minimal friction for low-risk applicants while escalating higher-risk applicants to additional verification steps when necessary.

Consumer Onboarding supports digital account opening where organizations must balance KYC/AML compliance, fraud prevention, and conversion.

## Common use cases  
- Bank accounts, credit cards, and loans  
- Digital wallets, P2P payments, and remittances  
- Brokerage and investment accounts  
- Buy now, pay later (BNPL) and fintech accounts  
- Cryptocurrency exchanges

## Participating enrichments  
Consumer Onboarding uses these enrichments throughout the workflow based on risk signals, routing conditions, and escalation logic.

| Enrichment | Purpose | Usage |
| --- | --- | --- |
| [Digital Intelligence](https://help.socure.com/riskos/docs/digital-intelligence) | Device, network, and behavioral telemetry | Core |
| [Allow / Deny List](https://help.socure.com/riskos/docs/allowdeny-lists-overview) | Filter known trusted or fraudulent identifiers | Core |
| [Phone Risk](https://help.socure.com/riskos/docs/phone-riskscore) | Phone legitimacy, SIM swap, and carrier risk | Core |
| [One-Time Passcode (OTP)](https://help.socure.com/riskos/docs/one-time-passcode-otp) | Phone possession verification | Conditional step-up |
| [Verify Plus](https://help.socure.com/riskos/docs/socure-verify) | KYC/CIP identity verification | Core |
| [Sigma Synthetic](https://help.socure.com/riskos/docs/sigma-synthetic-fraud) | Synthetic identity detection | Core |
| [eCBSV](https://help.socure.com/riskos/docs/ecbsv) | SSA-authoritative SSN validation | Optional / conditional |
| [Email Risk](https://help.socure.com/riskos/docs/email-riskscore) | Email reputation and fraud risk | Core fraud evaluation |
| [Address Risk](https://help.socure.com/riskos/docs/address-riskscore) | Address deliverability and fraud risk | Core fraud evaluation |
| [Sigma Identity Fraud](https://help.socure.com/riskos/docs/sigma-identity-fraud) + [Graph Intelligence](https://help.socure.com/riskos/docs/graph-intelligence) | Third-party and networked fraud detection | Core fraud evaluation |
| [Predictive DocV](https://help.socure.com/riskos/docs/predictive-document-verification) | Government ID and biometric verification | Conditional step-up |
| [First-Party Fraud](https://help.socure.com/riskos/docs/sigma-first-party-fraud) | Bust-out and dispute abuse detection | Optional enhancement |
| [Global Watchlist Plus](https://help.socure.com/riskos/docs/watchlist) | Sanctions, PEP, and adverse media screening | Optional / compliance |

## High-level runtime flow  
```
Collect PII + device token

POST /api/evaluation

RiskOS™ workflow

ACCEPT

REVIEW / Step-Up

REJECT

DocV / OTP / Manual Review

Final decision via webhook
```
1. **Collect inputs** — Gather identity data and a Digital Intelligence session token from the client.
2. **Submit evaluation** — Send a `POST /api/evaluation` request with `workflow: "consumer_onboarding"`.
3. **RiskOS™ orchestrates** — The workflow runs device, identity, fraud, and compliance checks in sequence.
4. **Receive decision** — The response contains `ACCEPT`, `REVIEW`, or `REJECT`. If a step-up is required (DocV, OTP), the evaluation pauses and resumes asynchronously.

## Integration models  
| Model | Description | When to use |
| --- | --- | --- |
| **API-only** | Your frontend collects PII and device tokens; your backend calls the Evaluation API directly. | Full control over the user experience |
| **Socure Hosted UX** | RiskOS™ provides a hosted capture experience for document verification and identity collection. | Faster deployment, less frontend development |

## Coverage  
Consumer Onboarding enrichments have varying geographic availability:
- **Global**: KYC (Verify), Predictive DocV (190+ countries), Global Watchlist (195+ countries), Phone Risk (80+ countries)
- **US-only**: Sigma Fraud Suite, eCBSV, SIM Swap Detection

For detailed product coverage by region, see your account configuration or contact your Socure account team.

## Get started  
[Configure the Workflow](https://help.socure.com/riskos/docs/configure-consumer-onboarding-workflow)

[Build the Integration](https://help.socure.com/riskos/docs/build-consumer-onboarding-integration)

[Handle Review & Step-Up Flows](https://help.socure.com/riskos/docs/handle-consumer-onboarding-review-step-up-flows)