Products
© Fiskil 2026. All rights reserved.
Neobanks
Instant Onboarding
Traditional bank onboarding takes days with manual document verification. Fiskil enables instant onboarding by verifying identity and financial status through CDR-authenticated banking access.
Multi-day onboarding with document uploads creates friction, causing 40-60% of customers to abandon.
Onboarding takes 3-5 days with manual verification
40-60% customer abandonment during onboarding
Document upload and verification is cumbersome
Identity fraud slips through document-based checks
Competitive disadvantage vs instant-onboarding neobanks
Verify identity, address, income, and account ownership instantly by authenticating with existing bank.
Verify identity by confirming customer has access to bank account in their name.
Extract verified address from bank account details.
Verify income instantly from transaction history for credit limit setting.
Prevent synthetic identity fraud by requiring genuine bank authentication.
Replace slow document verification with instant CDR-based verification.
Customer starts account application with basic information.
Customer authenticates with existing bank through CDR consent flow.
API verifies identity, address, and income from banking data in seconds.
Customer account is opened immediately - ready to use in minutes.
Satisfy regulatory ID requirements through verified banking relationship.
Meet AML/KYC requirements with bank-verified identity and address.
Set appropriate account limits based on verified income data.
Assess fraud risk from banking behavior patterns.
Customer can fund new account instantly via existing account.
Virtual card available immediately for Apple Pay/Google Pay.
A neobank implements instant onboarding to compete with incumbents.
Result: Onboarding completion rate increased from 35% to 82%, acquiring 15k new customers monthly.
A challenger bank reduces onboarding from 5 days to 5 minutes.
Result: Customer acquisition cost reduced by 55% with instant onboarding conversion.
A youth bank onboards students instantly during school enrolment.
Result: Onboarded 50k students in first semester vs 5k with previous manual process.
POST /onboarding/initiateGET /onboarding/verify-identityGET /accounts/{accountId}/verification-dataPOST /onboarding/completeAccount holder name
Verified address
Date of birth
Income verification
Account ownership proof
Fraud risk score
OAuth 2.0 / CDR consent
Yes
CDR authentication verifies the customer has access to a bank account in their name, satisfying identity verification requirements.
Traditional document-based onboarding can be offered as fallback for unbanked customers.
Yes - bank authentication is harder to fake than documents and prevents synthetic identity fraud.
Complete identity and income verification typically completes in under 60 seconds.
Yes, business owners can verify business identity and financials through business banking access.
Name, address, date of birth, income, and account ownership are all verified through banking data.
Yes, CDR-based verification meets AML/KYC and customer identification requirements.
Fintech
Verify bank account ownership instantly with real banking data. Eliminate micro-deposits and fraud with instant account verification across 100+ Australian banks.
Lending
Detect fraudulent loan applications using real-time banking data analysis. Identify suspicious patterns, synthetic identities, and application fraud before approving loans.
Neobanks
Enable customers to fund digital wallets instantly from their bank accounts. Provide seamless wallet top-ups with real-time balance verification.
Join hundreds of companies using Fiskil to power their neobanks applications. Get started today with our developer-friendly API.
Products
© Fiskil 2026. All rights reserved.