Fintech applicants submit edited bank statements, fabricated payslips and forged proof of address to clear KYC in seconds. VerifyPDF flags every tampered PDF in under 5 seconds, so you onboard genuine customers fast and catch the fraud your manual review misses.
Rise in synthetic identity document fraud in the US in Q1 2025 (Sumsub)
Digital banking verification attempts that are fraudulent in 2025 (Veriff)
Of banks lost clients to slow KYC onboarding, up 19% year-over-year (Fenergo)
To verify a document vs minutes of manual review per application
Neobanks and fintechs win on speed: open an account in minutes, no branch, no paperwork. That same speed leaves a single analyst seconds to eyeball a PDF bank statement or payslip. Modern forgeries are invisible to the human eye, and generative AI has made them cheap to produce at scale.
An applicant downloads a real statement from online banking, opens it in Adobe Acrobat Pro and inflates the balance or adds salary deposits that never happened. The fonts match, the layout is perfect and the metadata looks clean. Your onboarding flow approves it in seconds.
Income is inflated or invented to clear an account tier, a credit line or a lending product. A convincing payslip takes minutes to build in any design tool, and template farms sell ready-made layouts for major employers and payroll providers.
Utility bills and bank letters are altered to pass address checks, while generative AI now produces synthetic identity documents at scale. Sumsub recorded a 300% jump in synthetic identity document fraud in the US in early 2025.
A fintech onboarding team in Berlin processes hundreds of new account applications a day, each with a bank statement, proof of address and income document, and minutes to verify each one. Manual review, once the standard, became a liability that slowed growth and let sophisticated fraud through. Automated document verification is now how European fintechs onboard fast without opening the door to forgeries.
Read the full case study
The Digital Operational Resilience Act took full effect on 17 January 2025, setting uniform digital-risk requirements across EU banks, payment institutions, e-money firms, investment firms and crypto-asset service providers. Automated document verification gives fintechs the auditable, resilient controls DORA expects, with a clear evidence trail for every decision.
Read the full case studyAdd a document forensics layer to your KYC and onboarding flow. Every PDF is analyzed in under 5 seconds, with detailed forensic evidence when a document has been tampered with, so genuine customers clear fast and forgeries get caught.
Detect traces of PDF editors, creation timestamps that do not match the issuer and software signatures that reveal manipulation, so a statement edited the night before submission is flagged before the account goes live.
Identify direct text modifications, font inconsistencies and layered edits, catching the changed balance, the added deposit or the inflated salary figure a fast onboarding review will always miss.
Match documents against known bank and template formats to confirm a statement, payslip or letter came from its claimed source, so a convincing forgery cannot pass as a genuine document during KYC.
Connect VerifyPDF to your onboarding and KYC stack via our REST API, or let AI onboarding agents verify documents with our open-source AI agent skill. Every document is checked automatically, with no extra friction for the customer or your team.
Bank statements, payslips and proof of address are submitted during account opening or a KYC refresh.
Every PDF is checked for manipulation, metadata inconsistencies and issuer verification in under 5 seconds.
Each document receives a Trusted, Low Risk, Needs Attention or High Risk rating with detailed evidence of any detected modifications.
Genuine customers clear instantly while flagged documents are routed for review, with a clean audit trail for your compliance team and regulators.
Upload a PDF. In under 5 seconds, VerifyPDF tells you if it's genuine or forged, with detailed evidence of every modification. Try it free for 15 days, no credit card needed.
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