guilloche representing the world’s largest financial data network, Plaid.

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

  • 15 sec

    Onboard customers in seconds

  • 25%

    Convert up to 25% more customers

  • 87%

    Lower onboarding time by 87%

How Layer works

Illustration of an Ascend onboarding screen using Plaid Layer to check a customer’s eligibility by phone number, with a confirmation indicating the number is eligible and the user meets onboarding requirements.

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.

Illustration of Plaid Layer embedded in an Ascend onboarding flow, offering eligible users the option to skip manual forms by instantly pre-filling saved information from their Plaid account, reviewing details before sharing, and continuing through a secure sign-up experience.

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.

Illustration of Plaid Layer authenticating a user’s device during onboarding, with a secure device authentication confirmation representing real-time risk assessment before the user continues.

Authenticate and assess risk

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

Illustration of a completed Plaid Layer onboarding flow showing customer Eva Prosperi marked as successfully onboarded after identity, account, and eligibility checks are completed.

Update details

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

[needs updating] 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.

Finish onboarding

That’s it—you just onboarded a customer by collecting just a phone number. Told you it was fast.

Illustration of an Ascend onboarding screen using Plaid Layer to check a customer’s eligibility by phone number, with a confirmation indicating the number is eligible and the user meets onboarding requirements.
Illustration of Plaid Layer embedded in an Ascend onboarding flow, offering eligible users the option to skip manual forms by instantly pre-filling saved information from their Plaid account, reviewing details before sharing, and continuing through a secure sign-up experience.
Illustration of Plaid Layer authenticating a user’s device during onboarding, with a secure device authentication confirmation representing real-time risk assessment before the user continues.
Illustration of a completed Plaid Layer onboarding flow showing customer Eva Prosperi marked as successfully onboarded after identity, account, and eligibility checks are completed.
[needs updating] 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

Secure. Smooth. Flexible.

Real-time device checks catch risky signups without slowing down anyone else.

  • 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.

Secure. Smooth. Flexible.

Real-time device checks catch risky signups without slowing down anyone else.

  • 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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