Financial services: lending
Lenders use Vouched to verify borrowers inside the application, re-prove them before money moves, and govern the AI agents now applying for them. Faster closes, fewer abandoned applications and less fraud.
Trusted by lenders
Customer proof: Bankers Healthcare Group
BHG has provided more than $10B in financing to businesses. To stop losing borrowers to slow onboarding, it put Vouched inside its funding process and went live in two weeks.
Originations
$200M+Annual increase in new loan originations
Savings
$2.4M+Saved every year
Speed
8×Faster close
Adoption
100%Of borrowers now choose Vouched over in-person verification
It was definitely eye-opening to be able to have a win-win-win: to be able to save money innovating a new process; to be able to honestly strengthen our identity validation; and see a tremendous response from our customers because they could actually get their capital faster.
Use cases
Verify establishes who a borrower is. Assure proves it’s still them before money moves. Know Your Agent extends that trust to the AI agents acting for them.
Verify borrowers inside the application, with a digital or government-issued ID matched to a live selfie, so you can approve and fund in the same session.
faster close at Bankers Healthcare Group, which now funds more than $200M a year in additional new loans.
Source: BHG case studyEmbed verification in your existing loan origination flow, approve the clear majority automatically, and route only the risky few to review.
to go live at Bankers Healthcare Group, which embedded Vouched in its funding process.
Source: BHG case studyVerify Social Security numbers through SSA eCBSV and screen borrowers against sanctions lists, watchlists, PEPs and adverse media.
reports of business and personal loans taken out in someone else’s name in 2024.
Source: FTC Consumer Sentinel Data Book 2024Confirm changes to the bank account a loan pays out to, or is repaid from, with a live selfie matched to the borrower, not a one-time code.
awarded to a customer after a SIM swap let attackers take over the codes sent to his phone and steal about $38M.
Source: SecurityWeek, March 2025Let borrowers who lose a phone or a password re-prove who they are with a live selfie, instead of a help desk call that can be talked around.
lost to account takeover in 2025, the costliest type of identity fraud, affecting 6 million consumers, up 18% from 2024.
Source: Javelin 2026 Identity Fraud StudySee which AI agents reach your application flow, borrower portal and APIs, and let verified ones in while you challenge the rest.
growth in AI agent traffic in 30 days across Know Your Agent: Detect customers.
Source: Know Your Agent: Detect, June 2026When an AI agent fills in an application or manages a loan for someone, it carries a delegation from that verified borrower, with scopes, limits and an audit trail.
Compliance
Identity is a regulated control for lenders. Every decision comes with an audit trail your examiners can follow.
Visit the Trust CenterFAQ
Straight answers about borrower verification, loan security and AI agents for lenders.
Contact us with a questionVouched verifies borrowers in the application with a digital or government-issued ID matched to a live selfie, checks their personal data including their Social Security number, and screens them for AML risk, so Customer Identification Program requirements are met before a loan is funded.
Bankers Healthcare Group closes 8 times faster with Vouched, saves more than $2.4 million a year, and has added more than $200 million a year in new loan originations.
Bankers Healthcare Group went live with Vouched in two weeks. Within months, more than half of its borrowers chose Vouched over in-person verification, and today all of them do.
Yes. Verification runs inside the application, with results in under seven seconds. Only flagged cases go to manual review, and Bankers Healthcare Group now verifies 100% of its borrowers digitally with Vouched.
Yes. Vouched validates 4- or 9-digit SSNs, and financial institutions can verify full SSNs against Social Security Administration records through SSA eCBSV.
By confirming a real person is behind a real ID at application: 20 real-time fraud checks during ID capture and selfie verification, liveness detection against deepfakes, and data checks that catch stolen and synthetic identities. In 2024, the FTC received 95,689 reports of business and personal loans taken out in someone else’s name.
With Vouched Assure, changes to the bank account a loan pays out to or is repaid from can require a live selfie matched to the borrower’s enrolled identity, instead of a one-time code that can be SIM-swapped.
Know Your Agent works on your own channels: your application flow, borrower portal and APIs. It classifies every session as human, AI agent or bot, and when an agent applies or manages a loan for someone, it requires a delegation from that verified borrower, with scopes, limits and an audit trail.
Yes. Vouched checks a digital ID such as a mobile driver’s license first, and falls back to a government-issued ID when there isn’t one, always matched to a live selfie.
Yes. Your colors, fonts, copy and images replace ours on every screen, in 15 built-in languages.
