Proof of Identity Verification
BID (Beneficiary Identity Dispatch) performs exhaustive identity verification before funds move. Five check categories, seven vendor integrations, fail-safe architecture. Every check produces an auditable receipt with a risk score.
Phone
Carrier ID, line type, subscriber name match, reachability assessment
MX records, deliverability, disposable domain detection, role account flags
Address
USPS/intl standardization, deliverability, residential/commercial, geocoding
Person
Sanctions (OFAC SDN), PEP status, adverse media, name match scoring
Company
Registration verification, officer ID, UBO discovery, 140+ jurisdictions
7 Vendor Integrations
BID aggregates results from specialized providers for comprehensive identity verification. Person and company checks route through JIL's compliance infrastructure for sanctions and blockchain analytics screening.
- Twilio - carrier lookup, subscriber name, reachability
- Smarty (SmartyStreets) - USPS/international address validation
- Middesk - US business registration, officers, UBO
- OpenCorporates - global corporate registry (140+ jurisdictions)
- Chainalysis KYT - transaction monitoring, wallet risk (40% weight)
- TRM Labs - chain intelligence, entity attribution (35% weight)
- Elliptic - wallet screening, source-of-funds analysis (25% weight)
Fail-Safe Architecture
When upstream providers are unavailable, BID continues using JIL's internal heuristic engine with reduced confidence. Response fields return null for data pending upstream enrichment. Trust scores are capped at 60 in degraded mode.
- Graceful degradation per provider - no single point of failure
- Internal heuristic engine validates format, patterns, checksums
- Composite risk scoring (0-100) from available providers
- Audit trail flags degraded checks for manual review
- Every check produces a SHA-256 receipt hash
- Kafka events emitted for all operations (11 event types)
Ready to verify?
Start with a structured POC. Evaluate JIL settlement infrastructure on a single corridor.