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Documentation Index

Fetch the complete documentation index at: https://developer.prove.com/llms.txt

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Prove Account Opening banner showing identity verification workflow

Prove Account Opening solution

Prove Account Opening verifies new customers using as little as a phone number. It uses Prove’s Identity Network™ to validate identity tied to the phone number so you can establish trust at account creation. Businesses can reduce fraud at onboarding while keeping the experience smooth for legitimate customers. Account Opening is built around the phone as an anchor at account creation: you establish who is behind the device early so subsequent checks and records can rely on Prove-backed identity rather than thin, self-typed application data alone. Account Opening is not a full replacement for every compliance or risk policy you operate under. It gives you strong phone-centric identity signals and structured outcomes so your application can approve, step up, or decline according to your own rules and any other checks you run in parallel.
Account Opening is available only in the United States.

How Account Opening fits together

At a high level, Account Opening is organized around Verify and optionally Manage. They describe how the product is structured, not a rigid checklist: your integration may combine or revisit them depending on channel, risk, and how Account Opening sits alongside your own onboarding steps and controls.

Verify

Verify is your back end calling POST /v3/verify with verificationType: "accountOpening" and the inputs your flow requires to obtain a verification result and, when successful, identifiers such as proveId that you can persist for later calls, support, and linking to other Prove capabilities. End-to-end setup, Sandbox testing, and response handling are in Account Opening Verify.

Manage

Manage applies when a verified identity meets Prove’s Global Fraud Policy: it can be enrolled for continuous monitoring of phone and related identity changes. That matters after account opening because fraud and line risk can shift once the customer is approved—number changes, disconnects, and coverage moves are signals you want after day one, not only at signup. That path is documented under Account Opening Manage. Webhook notifications for those phone and identity change events are available in the US.