layer

The internet’s fastest financial onboarding

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

Talk with our team

Instantly boost conversion

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

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.

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

Onboard customers in seconds

Convert up to 25% more customers

Lower onboarding time by 87%

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.

Mobile banking verification screen displaying an eligible phone number (+1 (916) 555-7624) for sign-up. A green digital card labeled 'ascend' appears at the top, indicating financial account access. A green 'Sign Up' button is visible at the bottom, emphasizing secure enrollment. The background features a gradient green design, representing financial inclusion and digital onboarding.

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.

Plaid-powered sign-up screen for Ascend, prompting users to register instantly with their Plaid account. The interface features a green 'Continue' button with a lock icon, ensuring secure authentication. The background includes a gradient green design, emphasizing digital banking, financial integration, and seamless account access.

Authenticate and assess risk

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

Secure device authentication screen for Ascend, featuring a smartphone icon with a lock symbol and wireless signal indicators. A label at the bottom reads 'Secure Device Authentication,' emphasizing encrypted login and digital security. The background features a soft green gradient, reinforcing trust and fintech security.

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.

Data-sharing consent screen for Ascend, displaying user details for confirmation, including name (Eva Prosperi), email, birthdate, address, partially masked SSN, and a linked Gingham Bank checking account. Icons representing identity and banking verification are highlighted. The interface emphasizes secure data sharing and financial account connectivity in a digital environment.

Finish onboarding

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

Successful onboarding confirmation screen for Ascend, featuring a profile image of Eva Prosperi with a green verification badge. Icons representing identity and banking verification are displayed on either side. A green checkmark with 'Onboarded' indicates successful enrollment. The background has a gradient green design, emphasizing secure digital account setup.
Mobile banking verification screen displaying an eligible phone number (+1 (916) 555-7624) for sign-up. A green digital card labeled 'ascend' appears at the top, indicating financial account access. A green 'Sign Up' button is visible at the bottom, emphasizing secure enrollment. The background features a gradient green design, representing financial inclusion and digital onboarding.
Plaid-powered sign-up screen for Ascend, prompting users to register instantly with their Plaid account. The interface features a green 'Continue' button with a lock icon, ensuring secure authentication. The background includes a gradient green design, emphasizing digital banking, financial integration, and seamless account access.
Secure device authentication screen for Ascend, featuring a smartphone icon with a lock symbol and wireless signal indicators. A label at the bottom reads 'Secure Device Authentication,' emphasizing encrypted login and digital security. The background features a soft green gradient, reinforcing trust and fintech security.
Data-sharing consent screen for Ascend, displaying user details for confirmation, including name (Eva Prosperi), email, birthdate, address, partially masked SSN, and a linked Gingham Bank checking account. Icons representing identity and banking verification are highlighted. The interface emphasizes secure data sharing and financial account connectivity in a digital environment.
Successful onboarding confirmation screen for Ascend, featuring a profile image of Eva Prosperi with a green verification badge. Icons representing identity and banking verification are displayed on either side. A green checkmark with 'Onboarded' indicates successful enrollment. The background has a gradient green design, emphasizing secure digital account setup.

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

Possible Finance reduced
application times by 37%

Read the story

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

Win more customers with the internet’s fastest onboarding

Let’s get started

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