How Doculet Prevents Document Fraud
A deep dive into our multi-layer verification process and fraud detection.
Document fraud is a billion-dollar problem affecting universities, embassies, and financial institutions worldwide. At Doculet, fighting fraud is at the core of everything we do.
Today, we are pulling back the curtain on our multi-layer fraud detection system.
Layer 1: Visual Analysis
Every document uploaded to Doculet undergoes comprehensive visual analysis. Our AI examines fonts, spacing, alignment, and image quality. We can detect when text has been edited, when images have been spliced, and when documents have been reconstructed from multiple sources.
Our visual analysis catches obvious forgeries, but sophisticated fraudsters have learned to create visually perfect fakes. That is why we do not stop there.
Layer 2: Data Verification
For bank statements, we verify the data itself. Does the math add up? Are the transaction patterns consistent? Do the account numbers match known bank formats? These checks catch documents that look perfect but contain fabricated data.
Our AI has been trained on millions of authentic bank statements. It knows what normal transaction patterns look like for different income levels, professions, and geographic regions.
Layer 3: Bank Direct Verification
The gold standard is direct verification with the issuing bank. Through our integration with Mono and partnerships with major Nigerian banks, we can verify statements directly at the source. This eliminates any possibility of forgery.
When you connect your bank account through Doculet, we receive data directly from your bank. There is no opportunity for manipulation.
Layer 4: Identity Verification
Documents are only as trustworthy as the person submitting them. Our BVN and NIN verification confirms that the person submitting documents is who they claim to be. This prevents identity theft and impersonation fraud.
Continuous Improvement
Fraudsters are constantly evolving their techniques. So are we. Our AI learns from every document it processes. When we catch a new type of fraud, that knowledge is incorporated into our models within hours.
The result is a system that gets smarter every day, staying ahead of even the most sophisticated fraudsters.