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 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

Each EU member state has built its own digital identity scheme, collectively covering hundreds of millions of verified citizens. Docless verification through these schemes is not a future capability — it is the current reality for most of Europe’s digitally active population.

Also live: Greece (Gov.gr Wallet), Austria (ID Austria), Finland (Finnish Trust Network). 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.

03 — Docless Coverage Across Europe

Passive docless 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.

04 · Active + Passive eIDV

Combined eIDV coverage across Europe

Bringing active and passive docless methods together extends reach further still. Many markets support both active docless, where the user authenticates with a national eID or wallet, and passive docless, where identity is confirmed silently against trusted data sources — while others are served by one method today.

05 — eIDAS 2.0 & The EUDI Wallet

A mandatory acceptance obligation 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. From late 2027, regulated relying parties — banks, payment institutions, and regulated digital platforms — must accept those wallets as valid identity verification.

06 — One Platform, Three Requirements

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

EU businesses may require docless verification, a higher level of assurance in authentication, and e-signing for loan applications or transaction authorisation — all in one place. Shufti brings these together on a single platform, applied in any combination a customer or transaction demands.

Three requirements · apply any combination, in any order

Identity Verification

Confirm the identity against an authoritative source or government credential such as BankID, MitID, SPID, DigiD, itsme, FranceConnect+, or a future EUDI Wallet.

Higher Level of Assurance

Biometric liveness confirms the person presenting the credential is its legitimate holder.

Consent & Signing

Complete transactions with electronic signatures, including Qualified Electronic Signatures where evidentiary strength is required.

07 — Risk-Based Orchestration

Match verification depth to customer risk

The best docless 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 both commercially viable and compliance-grade.

08 — 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.