This page explains the data processing when Open Bank verifies a Trust membership account for an E Resident. All digital public goods and services deployed on the Open Constitution AI network are only accessible by a verified Trust membership account.
Document Checks:
Document checks verify the authenticity of government-issued identity documents. Foundation uses a combination of machine learning models, automated heuristic analysis and manual reviewers to verify the authenticity of hundreds of different document types.
Machine learning models are used to capture high-definition pictures of the fronts and backs of documents. The document images are analyzed in real-time to check for legibility and warn the human if the document is expired or unlikely to be verified.
Our AI tools check the images against a database of fraudulent document templates. This database is updated frequently so that 'Document Checks' can detect new fake document templates and automatically block them.
Wherever available, barcodes and other machine-readable features of any document are decoded and consistency checks are performed to ensure that the text document data matches the machine-readable data.
To prevent “presentation attacks” — e.g. fraudsters using pictures of stolen documents or someone else’s face, the Foundation uses computer vision and machine learning algorithms to ensure the human captured an image of an actual document.
Document checks are available for most government-issued documents (national IDs, driving licences and passports) from the following countries:
Acceptable identity documents vary by country, but the E Residency Trust Account verification is available in:
Albania, Algeria, Argentina, Armenia, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Belarus, Belgium, Benin, Bolivia, Brazil, Bulgaria, Cameroon, Canada, Chile, China, Colombia, Costa Rica, Côte d’Ivoire, Croatia, Cyprus, Czech Republic, Denmark, Dominican Republic, Ecuador, Egypt, El Salvador, Estonia, Finland, France, Georgia, Germany, Ghana, Greece, Guatemala, Haiti, Honduras, Hong Kong, Hungary, India, Indonesia, Iraq, Ireland, Israel, Italy, Jamaica, Japan, Jersey, Jordan, Kazakhstan, Kenya, Kuwait, Latvia, Lebanon, Liechtenstein, Lithuania, Luxembourg, Malaysia, Malta, Mauritius, Mexico, Moldova, Mongolia, Morocco, Myanmar (Burma), Nepal, Netherlands, New Zealand, Nigeria, North Macedonia, Norway, Pakistan, Palestinian Territories, Panama, Paraguay, Peru, Philippines, Poland, Portugal, Puerto Rico, Romania, Russia, Saudi Arabia, Serbia, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, Sri Lanka, Sweden, Switzerland, Taiwan, Thailand, Tunisia, Turkey, Uganda, Ukraine, United Arab Emirates United Kingdom, United States, Uruguay, Uzbekistan, Venezuela, Vietnam
What types of identity docs are accepted to verify myself?
Acceptable identity documents vary by country, however, a passport scan for identity verification is always acceptable and is preferred.
A valid ID can be:
Passport (photo page only)
National ID card
Photo driving licence
Everything on the document you share should match the information on your Open Bank account.
Make sure the photo isn’t blurry or covered, so the Sentient Bot can see all the info. If there’s information on the back of your document, Sentient Bot needs to see that, too.
Make sure the document is in English.
A valid proof of address document can be:
Utility bills: gas, electric, or landline phone (no mobile phone bills)
A bank or credit card statement (photo/scan of a physical letter or PDF of statement)
A council tax bill, or a HMRC notification
Vehicle registration or tax
Photo driving licence showing your address and expiry date
Any other government or financial institution-issued document
Selfie Check
While document checks provide a defence against the use of fraudulent identity documents, fraudsters can get access to legitimate stolen documents. To prevent this, the Open Bank service can perform selfie checks on your membership accounts.
Selfie checks look for distinguishing biological traits, such as face geometry, from a photo ID and a picture of your user’s face. The AI service then uses advanced machine learning algorithms to ensure the face pictures belong to the same human.
How long does verification take?
It is a real-time process.