What documents are acceptable?

Typically recent utility bills, bank/credit statements, tax or government letters per jurisdictional policy.

How do we handle forgery risks?

Validate issuer details, metadata/EXIF, barcodes/QR, and compare against authoritative sources.

What if customers lack PoA?

Use regulated alternatives (bank e-KYC, registry checks) or apply EDD with tighter limits.

How often do you refresh?

On risk changes, periodic KYC cycles, or when mail/bounces indicate address drift.

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Proof of Address

Overview

Proof of Address (PoA) confirms a customer’s residential address using documents like utility bills, bank statements, government letters, or verified e-statements. It supports KYC, risk scoring (country/jurisdiction exposure), and fraud controls (mismatch with IP/device/location).

Programs define acceptable document types, freshness windows (e.g., ≤3 months), and tamper checks (metadata, seals, issuer details). OCR/ICR captures data; name/address normalization improves matching; exceptions route to manual review. Where documentary PoA is hard (e.g., thin-file or shared housing), alternatives include verified bank e-KYC, government registries, or postal verification, following local regulations.

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