Proof of address

Check that an address is real and belongs to the user.

#Address checks

1. Format. Postcode rules for more than 60 countries.
2. Exists. The address is geocoded against OpenStreetMap data. UK postcodes are also checked against the national postcode register.
3. Proof of address document. A utility bill or bank statement is read, and the name, street, postcode and date are compared. The document must be no older than poa_max_age_days (90 by default).

Documents are also read by Document AI and checked for editing by fraud detection.

#Reasons

address_missing, address_format_invalid, address_not_found, poa_missing, poa_unreadable, poa_name_mismatch, poa_address_mismatch, poa_too_old, poa_date_unknown

In sessions, results are in poa_verifications[]. A passed database validation can replace the document.