onboarding & identity verification
Instant onboarding, built for trust
Fast. Smooth. Secure. Explore the most conversion-optimized onboarding in the industry.
There’s onboarding.
Then there’s Plaid onboarding.
Tailored to your needs
Collect only what you need, from essential PII to an identity profile with financial accounts.
Done in seconds
Instantly pre-fill identity and account info with just a phone number. No forms, no friction.
Built-in fraud and risk defenses
Spot risk early with built-in authentication, device intelligence, KYC, and AML.
87% reduction
in onboarding time
Up to 25% lift
in conversion rates
75M+ users
remembered in the Plaid Network
Just a phone number. That’s it.
Start with just a phone number to return identity and account info in seconds. No forms to fill out, no manual entry needed. Just clean, fast onboarding.
Complete identity profile and bank account
Real-time device authentication
Extend autofill to cover nearly every user
Just a phone number. That’s it.
Start with just a phone number to return identity and account info in seconds. No forms to fill out, no manual entry needed. Just clean, fast onboarding.
Complete identity profile and bank account
Real-time device authentication
Extend autofill to cover nearly every user
Stop fraud without stopping sign-ups
Screen for risk using real-time insights from the Plaid Network spanning 12,000+ financial institutions—all while keeping trusted users moving.
Signals from network data through the Trust Index
Account ownership checks for linked bank accounts
Device and session risk indicators surfaced in real time
Stop fraud without stopping sign-ups
Screen for risk using real-time insights from the Plaid Network spanning 12,000+ financial institutions—all while keeping trusted users moving.
Signals from network data through the Trust Index
Account ownership checks for linked bank accounts
Device and session risk indicators surfaced in real time
Stronger checks, only when needed
Low‑risk users get through fast. When higher fraud risk is detected, trigger step-ups like database checks, ID verification, or liveness—automatically, and only when required.
KYC, AML, and CIP checks within the onboarding flow
Signals from email, phone, device, and network behavior
Detection of synthetic identities and fraud patterns
Customizable success criteria with no code required
Stronger checks, only when needed
Low‑risk users get through fast. When higher fraud risk is detected, trigger step-ups like database checks, ID verification, or liveness—automatically, and only when required.
KYC, AML, and CIP checks within the onboarding flow
Signals from email, phone, device, and network behavior
Detection of synthetic identities and fraud patterns
Customizable success criteria with no code required
Seth Wunder
PRESIDENT AND CFOThe trio behind the industry’s leading solution
Layer
With just a phone number, Layer returns identity insights and linked account details in seconds, reducing friction across the flow.
Authenticate returning usersLink
You’ve likely used it already—hundreds of millions of consumers trust Link to securely connect their financial accounts.
Connect financial accountsIdentity Verification
Identity Verification helps you meet KYC requirements, verify users, and reduce fraud through fast, in-flow checks.
Verify user identitiesCUSTOMER STORIES
See what’s possible with instant onboarding
Your questions, answered
Reach out if we didn’t answer yours.
What is instant onboarding?
Instant onboarding is a way for eligible users to share identity and bank info with businesses in seconds so they can onboard quickly.
How does Plaid’s instant onboarding and identity verification work?
Plaid’s instant onboarding and identity verification can use device signals, fallback to autofill, and step-ups to collect and verify info with minimal user effort.
What are the benefits of instant onboarding and identity verification?
Instant onboarding and identity verification can speed up applications, lift conversion, reduce drop-off, and focus high-risk checks where they matter most.
How can businesses reduce onboarding drop-off rates?
Businesses can help reduce drop-off by using autofill, adaptive step-ups, and returning-user flows like “remember me.”
How does Plaid provide the tools needed to improve onboarding conversion rates?
Plaid can increase conversion by autofilling data, accelerating checks, and showing verification steps only when risk or rules require it.
How does Plaid enable instant onboarding and identity verification?
Plaid enables instant onboarding with Layer, including device IDs, autofill fall back, and risk-based step-ups to Identity Verification.
