Onboard already verified users with Docless Verification in Europe

Why Docless, Why Now

Three pressures are converging on identity

01 — The Conversion Challenge

Onboarding friction is a measurable revenue problem

Europe’s digital economy has reached a scale where remote onboarding friction translates immediately into lost revenue. With reportedly 94% of EU individuals online in 2025 and nearly nine in ten using mobile, regulated platforms onboard at volumes that demand an identity layer which never becomes a bottleneck in the way of customer acquisition.

The Fraud Threat

Fraud is escalating specifically at the remote onboarding stage

While friction in customer onboarding drives revenue loss, the need for a higher level of assurance in onboarding is rising at the same time as fraud levels climb. Account creation is increasingly becoming the highest-risk stage of the customer lifecycle. European regulators continue to reinforce a risk-based approach to customer due diligence, requiring institutions to understand customer risk, apply proportionate verification measures, and maintain confidence in the identity established at onboarding.

02 — The European eID Ecosystem

Your users are already verifying with national and commercial eIDs

European countries have developed national and private digital identity ecosystems, with many schemes collectively serving hundreds of millions of users. Docless Verification through these schemes is not a future capability — it is the current reality for most of Europe’s digitally active population. The map below shows the government-issued and nationally recognised eID schemes across Europe, based on the schemes notified under eIDAS (Official Journal C/2026/4428), with non-EU markets such as Norway included for context.

Note: this map shows government-issued or nationally recognised eID schemes across European countries. Some countries have more than one eID means under a single national scheme, and non-EU European countries (e.g. Norway) are included for context. Source: European Commission, Official Journal C/2026/4428 (12 August 2026).

The European Commission’s 2030 Digital Decade target — 80% of EU citizens using a digital ID by 2030 — is already ahead of schedule in several markets.

Shufti’s Active eID coverage across Europe

Alongside these government schemes, Shufti has partnered with private eID providers, extending Active eID coverage across Europe. Blue denotes markets with eID coverage; grey denotes markets where coverage is expected in future. New eID integrations are added as further national and private schemes come online, so coverage keeps growing.

03 — Docless Verification Coverage Across Europe

Passive Docless Verification coverage across Europe

Passive Docless Verification validates identity using trusted government, telecom, credit, commercial, and consumer data sources without requiring document submission. By combining multiple authoritative data sources within a single verification flow, Shufti supports both one-to-one matching and two-plus-two verification methodologies, improving resolution rates across diverse markets. Bubble size reflects adult population, while colour represents the highest coverage available from an individual data source across key European economies.

The chart highlights representative markets — coverage extends beyond the countries shown here.

04 — eIDAS 2.0 & The EUDI Wallet

Wider EUDI Wallet acceptance is arriving in 2027

Is your business ready to accept the EUDI Wallet?

Regulation (EU) 2024/1183 requires every member state to issue a European Digital Identity Wallet by December 2026. The EUDI Wallet framework is designed to enable wider acceptance of digital identity credentials across participating services from 2027, subject to applicable obligations and implementation requirements for relying parties such as banks, payment institutions, and regulated digital platforms.

05 — One Platform, Three Capabilities

Identity verification, assurance, and e-signing in one place

EU businesses may need a combination of identity verification, stronger authentication assurance, and electronic signing capabilities for use cases such as loan applications or transaction authorisation. Shufti brings these together on a single platform, applied in any combination a customer or transaction demands.

Three capabilities · apply the combination your workflow requires

Identity Verification

Confirm identity using trusted digital identity schemes, authoritative sources, or government-backed credentials such as BankID, MitID, SPID, DigiD, itsme, FranceConnect+, or future European Digital Identity Wallet credentials.

Higher Level of Assurance

Biometric liveness can strengthen assurance by helping verify that the person presenting the credential is the legitimate holder.

Consent & Signing

Complete transactions with electronic signatures, including Qualified Electronic Signatures where a legally recognised qualified signature is required.

06 — Risk-Based Orchestration

Match verification depth to customer risk

The best Docless Verification flows don’t apply one process to everyone. They run a lighter check for low-risk users and escalate only when the risk profile warrants. This is the architecture that makes Docless Verification both commercially viable and compliance-grade.

07 — Provider Evaluation

Use this checklist to choose a Docless Verification provider for Europe

A single integration that opens Docless Verification across the entire EU, so one provider and one contract cover every market you operate in, with no need to source, integrate, or maintain a separate vendor per country.

Active Docless Verification via national government credentials across all major EU markets.

Passive data-source verification across member states, drawing on both government and non-government authoritative sources, with a demonstrable per-market resolution rate.

iBeta Level 3 conformance under ISO/IEC 30107-3, with deepfake detection built and updated by the provider on its own timeline, running in-session without redirects.

Verification depth configurable by segment, with automatic in-session escalation when a risk signal appears mid-flow.

EUDI Wallet acceptance readiness ahead of late 2027, QES support under eIDAS 2.0, and in-region plus on-premises deployment for GDPR and data sovereignty.