eKYC UK

Preview

EKYC_UK:v1 is in preview..

Electronic identity corroboration for UK individuals

The eKYC UK step verifies a person's identity by cross-referencing their data against UK credit bureau and electoral roll sources via a configured screening provider. It consumes a BasicIdentity and an ExtendedIdentity data block and returns a tiered corroboration result — verified, inconclusive, or no_match — together with the contributing bureau sources.

The tier model is based on the number of sources that successfully corroborate the identity. A full 2+2 pass (two elements corroborated by two independent sources) routes to verified; a partial match (2+1 or 1+1) routes to inconclusive; and anything below that routes to no_match. The EkycUkResults data block records the strongest tier achieved and all contributing sources.

The transactionReference in the EkycUkResults data block corresponds to the vendor-assigned transaction ID. The flow execution ID is used as the client reference for traceability in the vendor API.

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Key features

• UK-specific bureau network — queries Electoral Roll, Credit Bureau, and related UK data sources
• Tiered corroboration — 2+2, 2+1, 1+1 match tiers determine routing
• Address-aware — consumes UK address fields (residentHouseName) from ExtendedIdentity alongside standard address fields
• Headless — no end-user interaction required; the step executes entirely server-side

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Configuration

Parameter	Type	Required	Description
provider	"NCINO"	No	eKYC provider. Currently only NCINO is supported.
configuration_identifier	String	Yes	nCino bundle identifier that selects the data sources to query (e.g. "W2-DATA-EKYC-UK-005"). Configured by the provider during onboarding.

Example

{
  "provider": "NCINO",
  "configuration_identifier": "W2-DATA-EKYC-UK-005"
}

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Input data blocks

Input requirements for this step.

Data block	Required	Description
BasicIdentity	Yes	Core identity data. givenName and familyName are mandatory; birthDate is strongly recommended for bureau matching.
ExtendedIdentity	Yes	Address and supplementary identity data. UK address fields (residentStreet, residentHouseNumber, residentHouseName, residentPostalCode) improve match rate.

If BasicIdentity or ExtendedIdentity are not available, the flow fails validation.

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Routes

Routes for this step.

Route	Description
verified	Full 2+2 pass — two identity elements corroborated by at least two independent sources.
no_match	Below 1+1 threshold or no elements corroborated. The EkycUkResults data block is produced with sources empty.
inconclusive	Partial match (2+1 or 1+1) — some elements corroborated but not sufficient for a full pass.

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Output data blocks

Data blocks produced per route.

Route	Data blocks produced	Notes
verified	EkycUkResults, Verification	matchTier is "2+2"
inconclusive	EkycUkResults, Verification	matchTier is "2+1" or "1+1"
no_match	EkycUkResults, Verification	matchTier is null, sources array is empty

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Example payloads

Route: verified

EkycUkResults

{
  "verdict": "verified",
  "matchTier": "2+2",
  "vendor": "NCINO",
  "transactionReference": "f4a8c1b2-3e7d-4f2a-9b5c-1234567890ab",
  "configurationIdentifier": "W2-DATA-EKYC-UK-005",
  "createdAt": "2026-07-15T09:45:00.000Z",
  "sources": [
    {
      "name": "Electoral Roll",
      "matchedElements": ["givenName", "familyName", "residentAddress"]
    },
    {
      "name": "Credit Bureau",
      "matchedElements": ["givenName", "familyName", "birthDate", "residentPostalCode"]
    }
  ]
}

Verification

{
  "status": "verified",
  "terminationReason": null,
  "methods": [
    {
      "type": "eKYC",
      "vendor": "NCINO",
      "configurationIdentifier": "W2-DATA-EKYC-UK-005",
      "matchTier": "2+2"
    }
  ],
  "provider": "NCINO",
  "trustFramework": null,
  "assuranceLevel": null,
  "verifiedAt": "2026-07-15T09:45:00.000Z",
  "verificationProcessId": "f4a8c1b2-3e7d-4f2a-9b5c-1234567890ab"
}

Route: inconclusive

EkycUkResults

{
  "verdict": "inconclusive",
  "matchTier": "1+1",
  "vendor": "NCINO",
  "transactionReference": "a1b2c3d4-5678-4abc-9def-abcdef012345",
  "configurationIdentifier": "W2-DATA-EKYC-UK-005",
  "createdAt": "2026-07-15T09:46:00.000Z",
  "sources": [
    {
      "name": "Electoral Roll",
      "matchedElements": ["familyName", "residentAddress"]
    }
  ]
}

Verification

{
  "status": "rejected",
  "terminationReason": null,
  "methods": [
    {
      "type": "eKYC",
      "vendor": "NCINO",
      "configurationIdentifier": "W2-DATA-EKYC-UK-005",
      "matchTier": "1+1"
    }
  ],
  "provider": "NCINO",
  "trustFramework": null,
  "assuranceLevel": null,
  "verifiedAt": "2026-07-15T09:46:00.000Z",
  "verificationProcessId": "a1b2c3d4-5678-4abc-9def-abcdef012345"
}

Route: no_match

EkycUkResults

{
  "verdict": "no_match",
  "matchTier": null,
  "vendor": "NCINO",
  "transactionReference": "c3d4e5f6-7890-4bcd-ef01-234567890123",
  "configurationIdentifier": "W2-DATA-EKYC-UK-005",
  "createdAt": "2026-07-15T09:47:00.000Z",
  "sources": []
}

Verification

{
  "status": "rejected",
  "terminationReason": null,
  "methods": [
    {
      "type": "eKYC",
      "vendor": "NCINO",
      "configurationIdentifier": "W2-DATA-EKYC-UK-005",
      "matchTier": null
    }
  ],
  "provider": "NCINO",
  "trustFramework": null,
  "assuranceLevel": null,
  "verifiedAt": "2026-07-15T09:47:00.000Z",
  "verificationProcessId": "c3d4e5f6-7890-4bcd-ef01-234567890123"
}