Name, address, date of birth, and mobile number – the details already used in your registration or application form. Plus more: up to 64 potential signals are available via the SIM card and potentially through the mobile operator.
What is Mobile-to-Person Match?
Fraud's rising, regulations are tightening, and customers expect onboarding that’s instant and invisible. MPM KYC Match makes that possible – a next-generation mobile identity solution that verifies who your customers really are in milliseconds using live data from their mobile network.
No documents. No uploads. No friction. Powered by the SIM card – the world’s most proven security token – MPM KYC Match connects you directly to live, accurate and verified operator data, transforming how you onboard, verify and retain customers across banking, insurance, gaming, retail and beyond.
More onboards, fewer frauds, and a CX your competitors will envy.
Live
Most IDV data is weeks old. MPM KYC Match uses live, operator-verified data direct from the SIM card – accurate to the second, always in sync, and impossible to fake. Real-time means real trust.
Fast
Verify, approve or flag risk in milliseconds. MPM KYC Match runs silently in the background, removing waiting, uploading and form fatigue. Instant decisions. Zero friction. Max conversion.
Compliant
Built for AMLD5, FATF and GDPR. Matching within operator networks, with no personal data exposed or stored. Secure, audit-ready, privacy-aligned, and regulator-friendly by design.
Sales-boosting
Approve more good customers, safely. Thin-file users who pay a monthly phone bill can now be verified in seconds. More sign-ups completed, more loans approved, more revenue retained.
KYC. Tick. AML. Tick.
Take care of both in one API. MPM KYC Match validates the essential customer details - name, address, date of birth - directly against the mobile network. Simple, precise, instant.
Next-level onboarding
Turn first impressions into loyalty. Cut out the upload stage, the manual check and the delay. Give every new customer a smooth, secure experience that builds trust from the get-go.
Privacy-first
All data is hashed and anonymised before any match occurs. Nothing personally identifiable leaves the operator environment. Dynamic, privacy-preserving verification, not data exchange.
Orchestrated
Part of XConnect’s SAFr platform, MPM KYC Match works in concert with SIM Swap Check, SAFr Auth and Call Forward Check. One API call can authenticate, verify, and protect - instantly.
Powered by SIM
The SIM card (or eSIM) is the world’s most proven security token. No passwords, no biometrics, no apps. MPM KYC Match leverages SIM-based trust to confirm identity directly at the network layer.
Global Reach
With coverage spanning more than 1.5 billion devices across many continents, XConnect gives you a single route to operator data worldwide - one integration, endless reach.
An awesome CX
MPM KYC Match is seamless - no uploads, no redirects, no waiting. Verification runs invisibly in the background, keeping users in flow and engaged from first click to conversion.
Gen AI-proof
While generative-AI fraud grows, MPM KYC Match stays immune. It validates against operator-controlled SIM data—signals that deepfakes can’t mimic. Future-proof verification for an AI world.
Banks, Fintech & FS
Onboard customers instantly, meet AML obligations, and reduce manual KYC steps. MPM KYC Match validates users during account creation, loan applications, or digital wallet setup – cutting fraud while increasing acceptance among thin-file and younger users.
Insurance & Loans
Instantly verify policyholder details at quote or claim, preventing false identities and fraudulent payouts without frustrating genuine customers. Helps combat first-party fraud and prevents fraudulent loans via generative AI and synthetic identities.
iGaming & Online Betting
Meet strict regulatory requirements on identity and age verification. MPM KYC Match ensures legitimate player onboarding, stops bonus abuse, and protects your licence – all without friction. Boost your conversions, keep users loyal and stay ahead of the competition.
Cryptocurrency Platforms
Verify traders and wallet owners in real time to comply with KYC and AML frameworks. MPM KYC Match keeps exchanges and DeFi platforms secure from fake identities and synthetic account creation.
CPaaS Providers
Strengthen your messaging and verification services by integrating MPM KYC Match as a silent identity layer, enabling enterprise clients to validate customers at the network level without extra steps.
Media & Social Platforms
Defend communities from bots, spam, and impersonation by verifying sign-ups against genuine mobile subscriber records. Keep users safe; a dating site is the perfect use case for knowing your customer.
How MPM KYC Match Works
1. Customer enters their details.
2. Encrypted request sent to the operator.
MPM KYC Match, via XConnect’s SAFr platform, routes a hashed, anonymised API request to the mobile network operator holding that number. The mobile network operator then consults their live CRM for that customer's details.
3. Secure match inside the network.
Operator compares declared data with the subscriber record – confirming whether identity details match. No PII leaves the operator’s environment; XConnect doesn't see or hold anything, only 'Match' or 'No Match'.
4. Results returned in milliseconds
Receive a JSON response, showing match/no-match per field, ready for your onboarding logic, AML scoring, or risk engine. Fast, live, accurate, reliable, totally compliant customer verification with no friction.
Live verified data Verified subscriber data direct from mobile operators – not third-party databases. Invisible experience No document uploads or scans or hassle for the user. Runs silently in the background. Real-time speed Returns verified mobile network operator matched customer insight in milliseconds. Privacy-first All data is hashed, encrypted, and processed inside the operator network – no leaks. Happy Regulators Fully compliant with AMLD5, FATF, GDPR, and PAS 1296 for age and ID verification. Global reach Integrated with operators across six continents through the GSMA Open Gateway framework.
Currencies Direct – UK Banking and FX
Currencies Direct wanted to grow its customer base while improving fraud prevention.
Deploying MPM KYC Match during onboarding, they achieved:
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7.6% uplift in conversions among 18–25-year-olds
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2.5% overall increase in automatic acceptances
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74% of customer contact data verified as trustworthy
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Prevented £25,000 in attempted fraud losses
Lendable – Loans and Credit
Facing synthetic identity fraud, this UK lender trialled MPM KYC Match to verify applicant data.
By deploying MPM KYC Match on a POC flat file, it achieved:
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2.5% increase in legitimate application acceptance
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Instant detection of fake or mismatched identities
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Better lending decisions, faster approvals, no added friction
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80% match rate on cards, 76% match rate on loans
iGaming Operator - Canada
Operating in a regulated market with high bonus abuse, they trialled KYC Match for onboarding.
By deploying MPM KYC Match on a POC flat file, they would achieve:
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Conversion uplift of up to 7.6% among 19–22-year-olds
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220 additional verified customers in the first month
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$55,000 CAD increase in LTV for a $4,500 CAD verification spend
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Full compliance, zero user frustration
"The de facto 'go-to' for mobile identity”
Security and compliance
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No data leaves the operator – matching happens inside secure telecom environments.
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Hashing and encryption ensure no personal information is visible or stored.
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Audit-ready outputs – every check is timestamped, logged, and traceable.
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Consent-first approach – fully transparent and user-approved.
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Operator-grade security – the same network-level protection used for billions of subscribers worldwide.
Compliance isn’t an afterthought – it’s part of the architecture.
Integration to impact
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Rapid pilot setup: Test live with one market or operator in days, not weeks.
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Lightweight REST API: Integrates easily with any onboarding or KYC flow.
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CAMARA-compliant: Available via GSMA Open Gateway APIs for direct operator alignment.
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Flexible commercial models: Choose what works best for you.
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Expert support: Our team works hands-on through design, testing, and optimisation to deliver measurable results from day one.
From pilot to production, MPM KYC Match is built for speed and scale.
Why XConnect
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Our CPIO, Gautam Hazari, created the original Mobile Identity APIs
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Trusted globally: In daily use for banks, fintechs, gaming operators, and identity providers
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Fast time-to-value: Customers see measurable improvements in conversion immediately
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Part of the Somos Group: Combining XConnect’s resources
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Mobile intelligence expertise combined with the trusted infrastructure of a global communications leader.
You’re partnering with a team with unique expertise.
How can I try MPM KYC Match?
MPM KYC Match transforms onboarding, fraud prevention, and compliance by using the one identifier every customer already has: their mobile number.
We can give you a sandbox environment to allow you to try MPM KYC Match out or share the results from a flat file. Our customer, partner, onboarding, technology, and delivery teams are all experts, totally knowledgeable about what we can do (and also what we can’t), and are all yours during your XConnect journey, from initial enquiry to POC to switching on live service.
MPM KYC Match is an awesome tool, and the service is just as awesome too.
We’re pretty confident that once you try both, you won’t look back.
