Open wallets for verified customers and lend to people with no bank credit history
Mobile money providers and fintechs use RDCPASS to check each new user against the national register while they sign up. With the customer’s consent, you can also get a credit score built from alternative data, and you can verify merchants before they start accepting payments.
- Wallet opening against a certified identity
- Credit scores the customer consents to
- Merchant checks and fraud reporting
Example journey
Granting a first microloan from a wallet app
RDCPASSCustomerKabeya M. Tshisekedi
COD-2103-0214-4937
Applies for a microloan and approves the check in the RDCPASS app
The challenges
Customers give up if sign-up drags on
Each extra onboarding step costs you sign-ups. Every account still has to have a verified owner.
Thin credit files make lending risky
Many applicants have little or no banking history, so a traditional credit check tells you almost nothing about them.
Fraudsters go where onboarding is quick
Fake accounts and mule wallets appear alongside SIM-swap takeovers and bogus merchants on platforms that open accounts fast.
How RDCPASS helps
Wallet onboarding
Each new user is checked against their certified identity and you receive basic KYC in seconds. The wallet can be opened as soon as the check comes back.
Microcredit and buy-now-pay-later
The applicant approves the request in the RDCPASS app. You then receive a score based on their mobile money, telecom, banking and utility data.
Merchant onboarding
Verify a merchant by RCCM, ID NAT or NIF and see its officers and beneficial owners before it accepts any payment.
Transaction-fraud reporting
When your fraud team detects a SIM-swap takeover, identity usurpation or other fraud, they report it to the national fraud desk and track the case from there.
Connects to the channels you already run
Your app, website, branches and back office call RDCPASS through a single integration. The services you choose send back verified answers your staff can act on.
Your channels
- Mobile app
- Website
- Branches & agents
- Back office
Your outcomes
- Wallet opening against a certified identity
- Credit scores the customer consents to
- Merchant checks and fraud reporting
Recommended products
Regulation & compliance
- Supports the customer identification requirements set by the Banque Centrale du Congo (BCC) for mobile money and e-money providers.
- A credit score is produced only after the customer gives explicit consent in the RDCPASS app.
- Each check is logged with its stated purpose, which gives auditors a full trail.
- An application only receives the data scopes it has been approved for.
From first test to production
Every organization goes through the same three steps.
- 1
Build in the sandbox
Free and available immediately, with synthetic identities, businesses and faces.
- 2
Pass due diligence
We review your business (governance) and your application (security, scopes, testing).
- 3
Go live
Set up production keys and an mTLS certificate, and choose the billing model that suits you.
Frequently asked questions
How fast can a new user get a working wallet?+
KYC Validation confirms the certified identity and returns basic KYC in seconds. You can open the wallet as soon as the customer has submitted their details.
What data is the credit score based on?+
Credit Scoring uses mobile money, telecom, banking and utility data, and only once the customer has approved the request in the RDCPASS app. You receive a score, a risk band and the main factors behind it. The lending decision remains yours.
Can we verify our merchants and agents?+
Yes. KYB Verification checks businesses by RCCM, ID NAT or NIF and returns their officers and beneficial owners. Individual agents are verified with KYC Validation.
Is Fraud Reporting billed?+
No, it is free for approved organizations. Each report gets a case reference you can use to follow its progress.
Related solutions
Banking & financial services
Open accounts remotely, refresh KYC files in batch and keep evidence for BCC AML/CTF reviews.
Learn moreTelecommunications
Register SIM cards to certified identities and block SIM-swap fraud.
Learn moreInsurance
Verify policyholders and beneficiaries, and catch identity fraud in claims.
Learn moreStart in the sandbox or talk to our team
The sandbox is free and open now. If you would rather discuss your sector, expected volumes and billing model first, our team can take you through it.