How Data Zoo fits into your stack

Every KYC program comes down to one question: does this person exist, and are they who they say they are? Document checks, biometrics, and device signals each help answer it, but the final confirmation comes from matching a customer’s details against trusted records. When those records are stale or incomplete, legitimate customers fail checks they should pass and fraudulent identities slip through.

As the authoritative data layer for global identity verification, we supply the identity data your customers are matched against, so the tools already in your stack work from records you can trust. In other words, Data Zoo forms one foundational part of a broader verification workflow and isn’t a replacement for any individual piece within it.

This page breaks down how Data Zoo fits within your verification stack, and how it strengthens the orchestration, document verification, and biometrics you get from other tools.

Data Zoo sits between the tools that run your verification workflow and the sources of truth that house customers’ identity records. Through a single connection to Data Zoo, the rest of your stack can reach every source in our network. Identity data flows from official government records, credit bureaus, telcos, registries, and more, and straight into your orchestration layer, document verification, biometrics, fraud tools, and decisioning logic.

What sits beneath that single connection matters: Data Zoo’s role is to make authoritative, market-specific identity data available in a consistent, usable way across your workflow.

Data Zoo is built to:

• Supply vetted identity data. Data Zoo draws on 150+ authoritative sources across 40+ countries and connects directly to official government records, credit bureaus, and other primary sources wherever possible. Each source is inspected for accuracy, reliability, and independence before it goes live and reviewed every year, so every source behind your checks meets the same high standard.
• Reach every market through one connection. Your workflow connects to Data Zoo’s full source library through a single application programming interface (API), and your engineering team maintains one integration, no matter how many markets sit behind it. Adding a market means a simple configuration change, rather than building a new integration.
• Check sources in the order you set. With data source sequencing, your team chooses which sources Data Zoo checks in each market and in what order, continuing the search until you have the number of matches you require for verification. Because Data Zoo doesn’t stop at a non-match or no-response from a source, individuals are matched against multiple independent data sources instead of just one, enabling you to maximize your match rates.

  One global payments company relied on credit bureau data in five priority markets, but many of its customers were underbanked or new to the country, with little or no credit history. After moving to Data Zoo, they added complementary sources alongside credit bureau data, and pass rates rose in all five markets — a change worth $30 million in new annual revenue.

• Return results your team can explain. Data Zoo returns each service’s result in one consistent structure. Wherever sources permit, results show which attributes each service matched and any error a check returned. Your compliance team gets a clear record of how each identity was checked, so decisions are easier to explain, audit, and defend.

Together, those capabilities give the rest of your stack a more reliable basis for every verification decision. What happens with that data — which checks are run and when, when to request more evidence, and whether to approve, decline, or review a customer — remains with the tools and rules you choose.

Data Zoo is designed to improve the data beneath your verification workflow, not take control of the workflow itself.

• Your orchestration layer determines which checks run and when.
• Your document verification, biometric, fraud, case-management, and decisioning tools perform their own roles.
• Your team chooses those vendors, sets the rules that govern them, and decides how to respond to each result.

Here’s why it works.

Data Zoo is platform-agnostic, with no preference for which orchestration, biometric, or document verification vendor you use, and integrates with the tools you already have in place. Your orchestration platform, or logic your own engineering team builds, still runs fraud and compliance workflows. You can also add a step when needed, such as calling a biometric check, if a data match falls short of your threshold. Case management and analyst reviews handle the cases requiring manual checks, and fewer cases reach your analysts when more customers clear verification on the first attempt.

Your orchestration platform or your own logic makes the final decision. If your team builds its own verification stack and matching logic, Data Zoo supplies the authoritative identity data without a managed verification workflow attached, and you configure your decision logic to your risk appetite and compliance requirements. When a regulator asks why a customer was approved or declined, the answer traces back to rules your own team set and can explain.

Data Zoo gives identity and orchestration platforms a way to extend the data beneath their existing products. The platform keeps its workflow, document verification, biometrics, fraud controls, and customer experience, while Data Zoo adds authoritative identity data where the platform’s own coverage is limited. That allows the platform to offer customers stronger verification in more markets without having to build and maintain their own direct connections to local data sources.

Data Zoo integrates in two ways: directly into your verification workflow through the API, or into your identity or orchestration platform.

• If you’re an enterprise or fintech building custom onboarding flows, you can connect to Data Zoo’s Identity Verification API directly and embed authoritative identity data into the compliance stack you already run. One commercial agreement covers every market Data Zoo reaches while solutions engineers support your implementation, and Data Zoo’s team monitors your match rates after launch and flags unusual changes early.
• If you run an identity or orchestration platform, you can use Data Zoo to extend coverage into regions you don’t yet reach, especially Asia-Pacific (APAC) and emerging markets. You get the coverage without having to build and maintain the local data integrations yourself. Your customers get the same coverage, which strengthens your responses to enterprise RFPs and helps you land global deals that hinge on hard-to-reach markets. Your workflows and customer relationships stay as they are.

When legitimate customers are matched against reliable records for their market, more of them clear verification in the background, without the added steps of a document request, biometric check, or manual review. When the records are thin, stale, or a poor fit for the market, the same customers get routed to those extra steps as exceptions.

Reliable records also give fraud and compliance teams a firmer basis for separating legitimate customers from identities that don’t hold up under verification. Each result shows which sources were checked and which attributes matched, so a passed check rests on a match your team can support in front of an auditor.

As your business expands, each new market takes a configuration change on the connection you already have, without rebuilding your verification stack. Data Zoo extends the reach and reliability of the workflow you already run, so your team can approve more legitimate customers, give higher-risk cases closer attention, and show how each decision was reached.