LAYER

The internet’s
fastest financial
onboarding

Win more customers with an onboarding experience so fast, you need to see it to believe it.

Contact sales

A graphic showing the eligibility of a phone number +1 (861) 415-8532. The phone number is marked as eligible with a green check mark. Below this, there are two icons: one of a smiling man with a green check mark and another of a bank symbol with a green check mark.

Instantly boost conversion

Get more customers to the finish line by instantly onboarding those who meet your company’s onboarding criteria.

An organizational diagram featuring a smiling woman at the top. Below her, five icons are connected horizontally: a person, a bank, an ID card (all with checkmarks), a house, an envelope (both with yellow clocks), and a calendar with a prohibited sign. The background has a light gray textured pattern.

Tailor to your onboarding

Build your own perfect customer profiles by only collecting data you need–whether it’s a bank account or a full financial profile.

An organizational diagram featuring a smiling man at the center. Radiating from his photo are six icons: a globe, a calculator, a location pin with a red X, a chat bubble, a smartphone, and a Wi-Fi signal with a red X. The background is light gray with a textured pattern.

Go faster, more securely

Offer the industry’s fastest user experience while optimizing for security with real-time authentication.

Just a phone number...aaand you’re done

15 sec

to onboard a customer

17.5%

higher conversion

87%

shorter onboarding times

How Layer works

CHECK ELIGIBILITY

All you need is a phone number. From there, we can find out if that person is on the Plaid Network and if they meet your onboarding requirements.

A smartphone screen displaying a notification. The notification has a green background with a checkmark and the text "NUMBER ELIGIBLE." Below this, the phone number "+1 (415) 951-1423" is displayed in black text on a white background. The screen also shows a purple-blue card with the "ascend" logo and a blue "Sign up" button at the bottom. The background is dark gray and textured.

INTRODUCE LAYER

If their saved information meets your own onboarding criteria, we give them the option to sign up instantly with Layer.

Still need more information? We’ll send them through your existing sign-up flow.

A smartphone screen showing a pop-up window. The background screen has the "ascend" logo. The pop-up window displays the "Plaid" logo in the top left corner, followed by a message: "Sign up ⚡ instantly with your Plaid account." Below the message are blurred-out fields, and at the bottom, there is a blue "Continue" button with a lock icon. The background is dark gray and textured, with a few yellow sparkle icons around the pop-up window.

Authenticate & assess risk

Next, we authenticate the device and use real-time risk analysis to securely deliver the fastest user experience.

A smartphone screen displaying a pop-up window with the "ascend" logo in the background. The pop-up window features the "Plaid" logo in the top left corner and an icon of a smartphone with a lock and Wi-Fi signal above it. At the bottom of the pop-up, there is a green and white banner with a shield icon and the text "Secure Device Authentication." The background is dark gray with a connected checkmark icon on the right side.

UPDATE details

Once they confirm their details and choose which financial account to share, you can verify their identity using your KYC provider and connect their accounts with Plaid.

A pop-up window on a smartphone screen shows the "Plaid" logo and "Allison S." at the top. It asks to confirm details to share with "Ascend," including name, email, birthdate, address, SSN, and bank account. The background is dark gray with bank and person icons on the sides.

finish onboarding

Congrats! You just onboarded a customer simply by collecting a phone number. We told you it was fast!

A smartphone screen shows a profile picture of Allison Smith with the Plaid logo. Below her name, a green banner reads "ONBOARDED" with a checkmark. The background is dark gray with icons of a bank and a person, each with checkmarks. The text "Account ready!" appears at the bottom.
A smartphone screen displaying a notification. The notification has a green background with a checkmark and the text "NUMBER ELIGIBLE." Below this, the phone number "+1 (415) 951-1423" is displayed in black text on a white background. The screen also shows a purple-blue card with the "ascend" logo and a blue "Sign up" button at the bottom. The background is dark gray and textured.
A smartphone screen showing a pop-up window. The background screen has the "ascend" logo. The pop-up window displays the "Plaid" logo in the top left corner, followed by a message: "Sign up ⚡ instantly with your Plaid account." Below the message are blurred-out fields, and at the bottom, there is a blue "Continue" button with a lock icon. The background is dark gray and textured, with a few yellow sparkle icons around the pop-up window.
A smartphone screen displaying a pop-up window with the "ascend" logo in the background. The pop-up window features the "Plaid" logo in the top left corner and an icon of a smartphone with a lock and Wi-Fi signal above it. At the bottom of the pop-up, there is a green and white banner with a shield icon and the text "Secure Device Authentication." The background is dark gray with a connected checkmark icon on the right side.
A pop-up window on a smartphone screen shows the "Plaid" logo and "Allison S." at the top. It asks to confirm details to share with "Ascend," including name, email, birthdate, address, SSN, and bank account. The background is dark gray with bank and person icons on the sides.
A smartphone screen shows a profile picture of Allison Smith with the Plaid logo. Below her name, a green banner reads "ONBOARDED" with a checkmark. The background is dark gray with icons of a bank and a person, each with checkmarks. The text "Account ready!" appears at the bottom.

why layer

Instantly onboard millions of people from the Plaid Network

Small on friction, big on security

Safeguard sensitive data while you verify more trusted customers with real-time authentication checks. How’s that for peace of mind?

  • Verify phone numbers and authenticate devices with silent network authentication, passkeys, or SMS one-time password

  • Evaluate a phone number’s reputation and get notified of SIM swaps, recent port outs, or disconnects

  • Adjust success criteria on the go with dynamic risk-based checks

Small on friction, big on security

Safeguard sensitive data while you verify more trusted customers with real-time authentication checks. How’s that for peace of mind?

  • Verify phone numbers and authenticate devices with silent network authentication, passkeys, or SMS one-time password

  • Evaluate a phone number’s reputation and get notified of SIM swaps, recent port outs, or disconnects

  • Adjust success criteria on the go with dynamic risk-based checks

Build the perfect onboarding
suite with Layer and Plaid IDV

Learn more

Integrate in as little as one day

Get access to an off-the-shelf interface that’s lightweight and optimized for conversion so you can get up and running in hours, not weeks. Start by integrating or upgrading to our latest SDKs.

View API docs

Integrate in as little as one day

Get access to an off-the-shelf interface that’s lightweight and optimized for conversion so you can get up and running in hours, not weeks. Start by integrating or upgrading to our latest SDKs.

View API docs

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Win more customers with the internet’s fastest onboarding

Get started with Layer today

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