## What is Advanced Prefill?

**Consumer Onboarding with Advanced Prefill** is a two-workflow RiskOS™ solution that reduces onboarding friction by prefilling verified identity data from minimal user input. Instead of requiring applicants to complete lengthy identity forms, Advanced Prefill collects a phone number and date of birth, verifies the requester through device, phone, and possession checks, and returns a verified identity profile from Socure's Identity Graph. The returned profile may include details such as full name, address, email, and national identifiers.

The solution operates in two stages:

1. **Advanced Prefill** (`advanced_pre_fill`) — Verifies the requester and gates data disclosure. Returns prefilled identity data for verified, low-risk users.
2. **Consumer Onboarding** (`consumer_onboarding`) — Performs full KYC, fraud, and compliance evaluation on the final data — whether prefilled, edited, or manually entered.

Advanced Prefill controls _when data can be shown_. [Consumer Onboarding](https://help.socure.com/riskos/docs/consumer-onboarding) determines _who can be approved_.

## Common use cases

- Bank accounts, credit cards, and loans
- Digital wallets, P2P payments, and remittances
- E-commerce account creation and checkout
- Telecom SIM registration and digital activation
- Insurance enrollment and policy renewals
- Government eligibility verification and benefits distribution

## Participating enrichments

Advanced Prefill uses these enrichments to verify the requester before disclosing identity data.

| 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, tenure, and carrier risk | Core |
| [SIM Swap](https://help.socure.com/riskos/docs/phone-riskscore)\* | Recent SIM change detection on major U.S. carriers | Phone Risk signal |
| [Silent Network Authentication (SNA)](https://help.socure.com/riskos/docs/silent-network-authentication) | Carrier-based phone possession verification | Core |
| [One-Time Passcode (OTP)](https://help.socure.com/riskos/docs/one-time-passcode-otp) | SMS-based phone possession fallback | Conditional step-up |
| [Prefill](https://help.socure.com/riskos/docs/prefill) | Verified identity data from Socure's Identity Graph | Core |

\*SIM Swap appears as a Phone Risk reason code rather than a separate enrichment. It's listed here because it contributes its own data disclosure signal.

After Advanced Prefill completes, [Consumer Onboarding](https://help.socure.com/riskos/docs/consumer-onboarding) performs full KYC and fraud evaluation using its own set of enrichments.

## High-level runtime flow

```
Collect phone + DOB + device token

POST /api/evaluation (Advanced Prefill)

Advanced Prefill decision

ACCEPT → Show prefilled form

ON_HOLD → Collect OTP

REJECT → Show blank form

Resume evaluation

User reviews and submits

POST /api/evaluation (Consumer Onboarding)

Final onboarding decision
```

1. **Collect inputs** — Gather a phone number, date of birth, and a Digital Intelligence session token from the client.
2. **Submit Advanced Prefill** — Send a `POST /api/evaluation` request with `workflow: "advanced_pre_fill"`.
3. **Gate data disclosure** — The workflow verifies device integrity, phone risk, and phone possession before returning identity data.
4. **Display or skip prefill** — Show prefilled data on `ACCEPT`, collect OTP on `ON_HOLD`, or present a blank form on `REJECT`.
5. **Run Consumer Onboarding** — Submit a new evaluation with the confirmed data for full KYC and fraud checks.

## Coverage

Advanced Prefill is available globally. The workflow adapts returned fields based on what is legally accessible and reliable in each country.

Field-level coverage (name, national ID, address, email) varies by country. Coverage expands automatically as new carrier and data partnerships are established.

**Available for users in:**

🇺🇸 USA  
🇬🇧 United Kingdom  
🇧🇷 Brazil  
🇨🇦 Canada  
🇦🇺 Australia  
🇲🇽 Mexico  
🇪🇸 Spain  
🇦🇷 Argentina  
🇿🇦 South Africa  
🇨🇴 Colombia  
🇨🇱 Chile  
🇵🇪 Peru  
🇩🇴 Dominican Republic  
🇪🇨 Ecuador  
🇬🇹 Guatemala  
🇵🇷 Puerto Rico  
🇵🇦 Panama  
🇨🇷 Costa Rica  
🇸🇻 El Salvador  
🇬🇺 Guam  
🇻🇮 U.S. Virgin Islands  
🇦🇸 American Samoa  
🇲🇵 Northern Mariana Islands  
🇺🇲 Minor Outlying Islands

The service automatically adjusts which identity fields can be returned,
depending on what is legally available and locally reliable. In most markets,
you’ll receive core fields like name, national ID, and address. In some,
coverage may be limited to subsets of these fields.

## Get started

[Configure the Workflow](https://help.socure.com/riskos/docs/configure-advanced-prefill-workflow)  
[Build the Integration](https://help.socure.com/riskos/docs/build-advanced-prefill-integration)  
[Handle Decisions & Step-Up Flows](https://help.socure.com/riskos/docs/handle-advanced-prefill-decisions)