Direct from the Source.
Intelligent & Real-Time.
Instantly access and verify income and key customer data directly from trusted sources - reducing fraud risk, eliminating manual uploads, and streamlining digital onboarding.
Verification, Without the Friction
Verification today relies heavily on customer-submitted documents such as payslips, bank statements, proof of residence, and identity records.
These documents can be easily manipulated, are often inconsistent, and require manual intervention to validate.
This slows down onboarding, increases operational costs, and exposes organisations to fraud risk – ultimately creating friction for both the business and the customer.
Our Income Verification and Know Your Customer products eliminate these risks by connecting directly to trusted data sources.
SPX – Secure Payslip Exchange
IDX – Integrated Data Exchange
KYC – Know Your Customer
POR – Proof of Residence
Secure Payslip Exchange
Real-Time Income Verification from Payroll Systems.
Access verified payroll and income data instantly – securely and with customer consent.
SPX replaces manual payslip collection with real-time, source-based income verification – enabling faster decisions, reducing fraud, and enhancing the customer experience. By securely connecting to trusted payroll data sources, SPX enables instant digital sharing of income information, streamlining onboarding for both businesses and consumers.
Integrated Data Exchange
Verified Bank Statements
IDX is a bank statement verification system that enables real-time, secure access to bank statement data directly from the source. With customer consent, banks and registered credit providers can retrieve tamper-proof statements instantly, eliminating the need for manual document collection. This provides immediate visibility into transaction activity, affordability insights, and income patterns, enabling faster and more accurate financial decision-making, particularly for applicants with variable income.
By removing the reliance on customer-submitted documents, institutions can significantly reduce onboarding friction while improving data reliability and fraud protection. The result is quicker approval decisions backed by trusted, source-verified financial data that supports confident digital onboarding.
Originally developed by Comcorp and later acquired by an association of major South African banks known as the Document Exchange Association (DEA), IDX continues to be operated by Comcorp. The platform and licensing rights are available internationally, enabling partnerships and expansion opportunities for organisations outside South Africa.
Know Your Customer
Home Affairs Verified Identity
KYC streamlines identity verification by enabling real-time confirmation of a customer’s identity through trusted third-party data sources. Using only an identity number provided by the customer, financial institutions can instantly verify identity without relying on manual or document-based processes.
This strengthens regulatory compliance while significantly reducing onboarding fraud, ensuring that only verified individuals gain access to services. By replacing manual proof of identity with secure digital verification, KYC delivers a faster, safer, and more reliable onboarding experience under the FICA-X framework.
Proof of Residence
FICA Address Verified
POR enables fast, reliable address verification by sourcing proof of residence directly from authoritative, verified data sources, eliminating the need for manual document uploads. This automated approach reduces onboarding friction while ensuring accurate and compliant address verification in line with FICA requirements.
Proof of residence is a mandatory FICA requirement, but traditional processes are often inconvenient for consumers and vulnerable to document tampering. FICA-X Document Exchange solves this by enabling secure, digital access to proof of residence directly from trusted sources, making onboarding faster, more consistent, and more secure for both consumers and institutions.
Customer Verification in A Single Workflow
When combined with Curata’s facial biometric identity verification, this platform delivers a fully end-to-end digital onboarding ecosystem, bringing together identity and data verification in a single seamless experience.
Together, they enable a unified onboarding journey where every critical check is completed instantly and securely: income is validated, financial behaviour is understood, address is confirmed, and identity is verified.
The result is faster decisions, reduced fraud, and a frictionless customer experience – all within one connected flow.
A single, trusted onboarding journey from start to finish.
All Verification Data. One Platform.
Instant Verified Data Access
Retrieve real-time customer data directly from trusted sources.
Secure & Tamper-Proof
Fully encrypted data exchange that ensures integrity at every step.
Consent-Driven & POPIA Compliant
Built for privacy, with secure, user-approved data sharing.
Fraud Prevention
Eliminate risks from manipulated or fraudulent documents.
Faster Decisions, Faster Onboarding
Automate verification to accelerate approvals and reduce delays.
Smooth Customer Experience
No uploads, no friction – just seamless, intelligent digital onboarding.
A single, trusted onboarding journey
from start to finish.
Speak to a specialist about transforming your operations.