Fake Identities Bypass Basic KYC Checks
Synthetic profiles built from stolen fragments pass document-only checks in seconds.
NewAI-Powered Fraud Prevention
Stop Fraud Before
It Happens
Verify Customers, Assets & Transactions in One Workflow
Proovia verifies the person, the vehicle and the place where the handover actually happens — so lenders, brokers and dealers can approve with confidence instead of hoping the paperwork is real.
Verification Summary
Case #PRV-40182 · Vehicle finance
Identity Verified
PassGovernment ID matched against a live biometric session.
Liveness Confirmed
PassGuided video capture with anti-spoofing checks.
Asset Matched
PassVIN, plate and condition images cross-referenced.
Delivery Location Validated
PassGPS captured at handover, compared to the agreed address.
Credit & Records Screened
PassFinance history and outstanding claims reviewed.
All five checks passed. Decision output delivered to the lender in 4 minutes 12 seconds.
IdentityAssetLocationCreditAudit trail
The Problem
Fraud in Vehicle Transactions
Is Getting Smarter. Your Verification Should Too.
Stolen Or Cloned VINs Enter Financing Deals
Cloned plates and re-stamped VINs are financed before anyone inspects the physical asset.
Assets Are Misrepresented Or Swapped
The vehicle inspected is not always the vehicle delivered. Condition, mileage and spec quietly change between approval and handover.
Delivery Locations Are Falsified
Addresses on the agreement rarely match where the keys actually change hands, leaving no reliable record of the handover.
Credit Standing Increases Hidden Risk
Thin files, recent defaults and layered applications slip through when checks run in isolation from the asset.
Manual Checks Miss Inconsistencies Across Systems
Each system holds part of the truth. Nobody compares them side by side.
- ID document name
- J. R. Whitfield vs James Whitfield
- Registered address
- 14 Alder Row vs 41 Alder Road
- VIN on invoice
- WBA4J1C···9021 vs WBA4J1C···9O21
- Handover location
- Not captured vs —
- Finance history
- Verified vs Verified
Most systems don't verify where the transaction actually happens.
Location is the one signal fraud rings cannot fake twice. Proovia captures it at the moment of handover.
Proovia Verifies the Customer, the Asset, and the Delivery Location
One workflow verifies the person, the vehicle and the place the handover happens. Every check is cross-referenced against dealer, lender and logistics records, so nothing is funded on an assumption.
How It Works
From Verification to Decision in 4 Steps
- 1
Step 01
Send Verification Link
Verification Link SentCustomer receives a secure, guided link to complete identity and asset verification.
SMS or emailNo app installExpires in 24hFully branded - 2
Step 02
Customer Completes Video Verification
Identity Checks
- Government ID captured, front and back
- Selfie liveness detection with anti-spoofing
- Name, date of birth and address matched
Asset Checks
- VIN, number plate and odometer captured on video
- Guided walkaround records condition, damage and accessories
- 3
Step 03
Data & Asset Intelligence Cross-Referencing
Every captured signal is checked against independent sources.
Identity Intelligence
- Watchlist, sanctions and adverse media screening
- Prior applications compared for reused documents or details
Asset Intelligence
- VIN checked for theft, write-off and outstanding finance
- Plate, spec and mileage reconciled with the invoice
Financial Intelligence
- Credit standing, affordability and recent defaults reviewed
- Layered or duplicate funding attempts flagged across lenders
Proovia flags conflicts between sources before a decision is made — not after funding.
- 4
Step 04
Location & Transaction Validation + Decision Output
GPS is captured at the moment of handover and compared to the agreed delivery address. A signed decision report is returned to the lender with every check, timestamp and piece of evidence attached.
Handover GPS matched to agreed addressSigned decision report with full audit trail
Typical end-to-end completion time: under 6 minutes per transaction.
Core Features
Identity Verification
Prove the person on the agreement is the person in the room.
- Government ID capture with document authenticity checks
- Biometric liveness and face match
- Sanctions, PEP and adverse media screening
Asset Verification
Confirm the vehicle being financed is the vehicle that exists.
Captured
VIN, plate, odometer and a guided condition walkaround.
Cross-checked
Theft, write-off, finance and spec records in real time.
Location & Delivery Verification
Our unique advantage
Proovia captures verified GPS at the exact moment of handover and compares it to the agreed delivery address. If the keys change hands somewhere else, you know before the funds move.
At handover
- Live GPS coordinates
- Timestamped photo evidence
- Recipient identity re-check
Cross-referenced
- Agreed delivery address
- Courier route data
- Registered keeper address
Proves the delivery happened where the contract said it would — and who accepted it.
Example
Agreed: 14 Alder Row, Leeds · Captured: 41 Alder Road, Bradford
Flagged — 11.4 miles from agreed address
Vehicle Records & Ownership Matching
- Logbook and keeper history
- Outstanding finance
- Write-off and theft markers
- Mileage anomalies
Credit & Affordability Insight
- Bureau-backed scoring
- Recent default detection
- Layered application alerts
Fraud Intelligence
- Device and IP fingerprinting
- Reused document detection
- Known ring pattern matching
Audit Trail & Decision Report
- Timestamped evidence
- Signed PDF export
- API webhook delivery
- Retention controls
Real World Cases
How Proovia Prevents Real-World Fraud
Caught
Fake Buyer
Synthetic identity, real finance
Documents passed a standard KYC check. Liveness detection failed and the same selfie appeared on two prior applications.
Stopped
False Consent
Agreement signed by a third party
Face match at handover did not match the applicant on the signed agreement. Funding was paused before release.
Caught
Hidden Lien
Outstanding finance on the asset
VIN cross-reference returned an active finance agreement with another lender that the invoice did not disclose.
Caught
Loan Stacking
Same vehicle, multiple lenders
Two applications used the same VIN within nine days. Both were flagged before either deal completed.
Stopped
False Delivery
Handover never took place
Delivery was marked complete, but no GPS capture existed at the agreed address and no recipient check ran.
Caught
Dealer/Customer Mismatch
Vehicle sold on, not delivered
Handover location resolved to a trade auction site 40 miles from the customer address on the agreement.
Key Message
Proovia verifies the who, what, and where of every transaction.
Benefits
Lenders
- Fund with verified identity, asset and location evidence
- Fewer first-payment defaults
- Lower manual review load
Brokers
- Submit cases that pass first time
- Clear proof of customer consent
- Faster lender decisions
Dealers
- Release stock with confidence
- Documented handover for every unit
- Fewer post-sale disputes
Flexibility
- Run the full workflow or only the checks you need
- Embed via API, hosted link or white-labelled portal
- Configure pass, refer and decline thresholds
- UK and EU data residency, GDPR compliant
What You Receive
- Identity Verification
- Customer Video & Voice Verification
- Asset Verification
- Credit & Affordability Insight
- Live Verification Dashboard
- Delivery Location Confirmation
- Address & Location Cross-Check
- Full Case Report & Audit Trail
Voice and speech recognition will be coming soon, July 2026.
FAQ
Frequently Asked Questions
At the moment of handover the recipient completes a short in-app check that captures verified GPS coordinates, a timestamped photo and an identity re-check. Those coordinates are compared to the agreed delivery address on the finance agreement, and any material distance is flagged before funds are released.