What specific address data does the API provide?

The API provides the full registration or billing address associated with the MSISDN (phone number), including street, house number, zip code, city, and province/state, exactly as it appears on the customer's monthly bill.

What happens if the customer has just moved and has not yet updated their address with the operator?

The API returns the address currently on file with the operator. Since this is the address used for billing, it is considered the most reliable and recent source of truth available from the carrier (MNO).

Does the Home Verify API replace the need for other KYC documents?

It specifically replaces the need for 'Proof of Address' document uploads. However, identity validation (Passport/ID) is still required and should be completed using complementary tools like the KYC Match API.

Does this API work for prepaid lines?

This depends on local regulations. In markets where carriers are legally required to register the holder's address for prepaid SIMs, the API will work. We provide detailed coverage maps for each specific market.

Home Verify API

The proof of address (POA) verification process is a common obstacle in digital onboarding, often requiring users to search for, scan, and upload documents (utility bills, bank statements) that may be old, illegible, or even falsified.

Plusmo's Home Verify API transforms this process: it allows the mobile operator to confirm the user's address, providing your company with an immediate and verified digital proof, reducing friction, and preventing document fraud.

How Does Address Data Transmission Work?

The Plusmo API acts as a secure conduit that, with the customer's explicit consent, facilitates the transfer of address information registered by the mobile operator to your institution.

The Simplified Verification Flow

1

Request and consent

During onboarding, your application asks the user to verify their address through the mobile network. The user gives their explicit consent for the operator to share their registered address.

2

Call to the Home Verify API

Your system triggers the query to the Plusmo API, sending the customer's phone number (MSISDN).

3

Data Transmission (MNO)

The API securely contacts the mobile operator. The operator, upon receiving the request with the customer's consent, transmits the billing/registration address associated with that phone line.

4

Confirmation and acceptance

Your institution receives the customer's address directly into your system, knowing that it is verified, updated data originating from a source of maximum trust (the MNO).

5

Onboarding completion

The user moves to the next step without having to scan or upload any physical documents.

This process ensures that you receive the most updated address with the highest degree of digital reliability.

Use Cases for the Home Verify API

The Home Verify API is essential for any entity that requires address verification for fraud prevention or legal compliance.

Financial Services and Fintech

- Compliant Onboarding (KYC/AML): Comply with proof of address regulations in an auditable and digital manner, eliminating the need to receive bills or statements.

- Geographic Fraud Prevention: Ensure that the billing address provided by the customer matches the registered address for their mobile line, preventing triangulation fraud or the opening of accounts with false addresses.

Insurance and Utility Services

- Fast Policy Issuance: Streamline the contracting of home insurance or utility services by validating the customer's address in seconds.

- Address Change: Automatically verify requests for billing address changes, ensuring that only the line holder authorizes this change.

E-commerce and Marketplaces

- Seller Validation (marketplace): For platforms requiring address verification of their sellers or distributors, the API offers reliable proof of residence.

- Large Deliveries: Confirm the shipping address before dispatching high-value goods, adding a layer of security against shipping fraud.

Strategic Benefits of Integrating Plusmo's Home Verify API

Maximum conversion rate

Eliminating the tedious step of document uploading reduces friction and increases the number of users who complete the onboarding process.

Zero operational cost in review

By receiving validated data from the source, the cost and time of manual review of address documents are eliminated.

Superior anti-fraud security

Mobile operator data is inherently more difficult to falsify than a utility document. This prevents identity fraud based on altered documents.

Simplified legal compliance

Provides regulators with an auditable and digital proof that the address was verified by a high-trust source, meeting KYC/AML standards.

FAQ’S