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Identity verification is a stage in the process used to confirm the details of the person undergoing verification. At this stage, declared personal data is verified based on information obtained through the selected identity confirmation method.

This process serves as the foundation for subsequent verification stages, as it allows further information, documents, and results to be assigned to the correct individual. This is important both from a process security perspective and for the credibility of the entire assessment.

The person being verified can confirm their identity in one of three available ways. The choice of method depends on individual preferences, available tools, and the time frame in which the verification is to be completed. Each method leads to the same result, but differs in implementation method, scope of data used, and wait time for the result.

You can also confirm your identity using the government mObywatel app. During the simpl.rent process, we will display a QR code – simply scan it with the mObywatel app and confirm the operation. If scanning fails, you can enter the code manually. To use this method, you must have an active mDowód in the app.

After scanning or entering the code, a screen will appear in the mObywatel app displaying the scope of data being shared, which you then approve: mDowód number, PESEL number, and first and last name. You decide whether to share them, and simpl.rent receives only the data necessary to confirm your identity, obtaining no access to anything else in your app.

This method relies on mDowód – a fully valid electronic identity document available in mObywatel, the official government app managed by the Ministry of Digital Affairs. QR code confirmation utilizes a cryptographic mechanism, recognized as the most reliable way to confirm the authenticity of mDowód. You receive the result almost instantly after approving the operation in the app.

Additionally, data provided from mDowód is automatically carried over to the next stage – credit and payment history verification – accelerating the entire verification process.

Verification via online banking login takes place by redirecting the person being verified to the official website of their bank. After successfully logging in and granting the required consents, information necessary to confirm the account holder's details – namely first and last name along with the registered address, as well as transaction history from the last 3 months within the scope required to complete the process – is passed to simpl.rent.

This method does not involve sharing login credentials, passwords, or access to the bank account. simpl.rent does not gain the ability to perform operations on behalf of the account holder. Only the data necessary to conduct verification is transferred – i.e., the first name, last name, and registered address of the account holder, along with transaction history for the past 3 months.

An additional benefit of this method is the ability to simultaneously confirm employer income if salary payments are deposited into the account used for identity verification. In such cases, at the income verification stage, you are only required to provide documents confirming the legal title to the funds received.

Identity verification via private bank account login is carried out using open banking services in partnership with Kontomatik – an open banking service provider regulated by the Polish Financial Supervision Authority (KNF) and the Bank of Lithuania. Verification is available only for a specified group of countries and banks within them, which can be reviewed on the list.

This method involves taking a photo of your document (front and back) and making a short video recording or photo of your face (a so-called selfie), following the on-screen instructions. This allows us to confirm that your details match and verify the authenticity of the document.

What is worth knowing before you start?

• Which documents can you use? We accept national ID cards, passports, and residence permits – you will see the exact list, which depends on the type of document and its country of issuance, during the process.
• Originals only: You must have the physical document with you during verification. The system will not accept scans, photocopies, or photos displayed on another screen. This reduces the risk of using someone else's document and protects your data.
• Wait time: You will usually receive your result in about 10 minutes (this time may be extended if the submitted photos are unclear).

We carry out this process in cooperation with iDenfy – a provider of modern technology that analyzes submitted materials for data compliance, photo quality, and document authenticity. Solutions of this type are used by financial institutions, among others, when opening bank accounts remotely.