eKYC Income verification leverages Brazilian sources of truth to streamline and enhance the customer identity verification process by accessing financial data for more accurate and efficient authentication, reducing fraud, and ensuring regulatory compliance.

Integration

eKYC Income verification configuration gives various options to specify different search criteria with various sources of truth for each country (eg. United States can have Telco, Credit Bureau, and Driver's License). In order to validate the legitimacy of a Brazilian individual, there is an opportunity to validate the individual's financial data. Here we will deep dive into how your team can take next steps.

Direct API Approach

API Authentication

All endpoints require authentication headers to be specified as stated in Incode API Documentation.

eKYC request

POST /omni/externalVerification/income

• country: (mandatory) String. Two letter Alpha-2 country code. (Must be br).
• taxID: (mandatory) 11 digit CPF (Note: We do not check for CPF validity here and recommend you use our eKYC endpoint to identify validity of CPF)

Example request:

{

"country": "br",
  "taxId": "***********" // insert 11 digit CPF
}

Direct API Response

JSX

{
    "income": [\
        {\
            "key": "employment_type",\
            "status": "success",\
            "sub_label": "Type",\
            "message": "ENTREPRENEUR | BUSINESS OWNER"\
        },\
        {\
            "key": "employment_sector",\
            "status": "success",\
            "sub_label": "Sector",\
            "message": "PRIVATE - 4639701 - COMERCIO ATACADISTA DE PRODUTOS ALIMENTICIOS EM GERAL"\
        },\
        {\
            "key": "income_range",\
            "status": "success",\
            "sub_label": "Estimated Income Range",\
            "message": "9240-13200"\
        }\
    ]
}

eKYC error responses

Please refer to error response to see conventional HTTP response codes to indicate the success or failure of an API request.

Income Range

Based on a valid taxID (CPF), if available, a statistical prediction model provides an estimated monthly Income Range for a person. The result is provided in local currency (Brazilian Real $) and is a multiple of the prevailing Brazilian Minimum Wage (currently R$1412 from 2024 Minimum Wage but will be updated to 2024 Brazilian Minimum Wage per https://wageindicator.org/salary/minimum-wage/brazil).

Example:

Status codes

Employment Type

Based on a valid taxID (CPF), if available, details of a person’s current employment (sector and type) is returned.

Example:

Status codes

Employment Sector

Based on a valid taxID (CPF), if available, details of a person’s current employment (sector and type) is returned.

Example:

The codes listed are from the official CNAE national classification of economic activities by Instituto Brasileiro de Goegraphia e Estatistica, which can be found here.

Status codes

Single Session Dashboard Results

Note: If you plan to use the eKYC Brazil Government endpoint and the Identity Verification endpoint, it is possible that there isn't data available to return an income estimate and job information even if the CPF is valid and verified using eKYC.