Channels

What it's for

A Channel represents a lending pathway — how your borrowers come to you and apply. Different pathways carry different risk profiles: an applicant onboarding through your mobile app behaves differently, and carries a different fraud/risk profile, than one being onboarded in person by a branch agent. Channels let you apply the right verification strictness and risk threshold to each pathway automatically, rather than using one blanket policy for every applicant — create one channel per genuinely distinct pathway in your business, rather than forcing every applicant through a single configuration.

Typical channel types include: Digital (mobile/web app), In-store (retail partners), Agent/Telesales, and Branch walk-in. Each channel can run eKYC, Vision Score, or both, independently. When you add a new lending pathway — a new partner, app, or region — create a new channel for it rather than repurposing an existing one, so historical performance data stays comparable. Use Show inactive channels to see channels you've deactivated rather than deleted; deactivating preserves historical data and keeps reactivation available later.

Your Channels list showing each configured lending pathway

What you can configure

Every channel has two configuration tabs:

Business configuration (the part relevant to this guide):

  • Verification flow(s) — which Workflow(s) this channel runs. A channel can offer more than one workflow — for example, one flow that requires NFC verification for the mobile app, and a simpler ID + Selfie flow for a scenario where NFC isn't practical — with both flows serving the same channel.
  • Risk-level group — controls how strictly the AI models evaluate captured images and scores for this channel (e.g. a "Relax" group for a lower-risk pathway vs. a stricter group for a higher-risk one), plus which model Version to use. Review performance per channel in Vision Score Dashboard and eKYC Dashboard — filtering by channel is the fastest way to spot one pathway underperforming or over-rejecting relative to others.
Setup risk-level group panel with Risk-level group and Version selectors
Channel detail screen with Business configuration and Technical configuration tabs

Technical configuration fields

The Technical configuration tab holds the values you need to wire this channel into your own system:

  • Callback URL — where the user is redirected after completing the verification flow (web only); see Redirect URL.
  • Webhook decisions URL — off by default; toggle it on to have results posted to your system as soon as the user completes verification.
  • Your applications — the appIDs or domains (semicolon-separated) allowed to run verification through this channel.
  • Base URL — the read-only URL your web integration sends users to for verification on this channel.
  • Application token key and AES encryption key (Key + Initialization Vector) — used to sign and encrypt the application token; see Authentication for how to use them.
  • Credential to get application details & download videos or images — a Username/Password pair plus the API endpoint, used to call the platform APIs for this channel; see Authentication.
Technical configuration tab showing Callback URL, Webhook decisions URL, Your applications, Base URL, and channel credentials
  • To understand what a Workflow actually configures within a channel, see Workflows.
  • To see how a channel's configuration shows up in performance data, see Vision Score Dashboard and eKYC Dashboard.
  • To customize the branded look of the verification experience per channel, see Theme.