Collect permitted identifiers
Request only the phone, email, IP or identity attributes and consent reference required by policy.
Turn approved phone, email, IP and identity evidence into a consistent account-opening decision.
The workflow stays provider-neutral from request to recorded outcome.
Request only the phone, email, IP or identity attributes and consent reference required by policy.
Route approved providers for contact, identity and risk evidence.
Return allow, review or decline with normalized reasons.
Keep a PII-minimized decision trace, signals used and policy version.
Tenant isolation, account-scoped keys, encryption, retention, DPA/security review and policy approval are required before live use.