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Trust Factors & Decisioning

A verification produces many individual signals — a face-match score, a liveness score, document checks, an age estimate. Trust Factors turn those signals into a single, explainable decision: accept, review, or reject. They are how a Company encodes its risk appetite without writing code.

The decision model​

Each Trust Factor evaluates one signal and returns a verdict. The overall outcome is the most severe verdict across all active factors:

  • If any factor says reject → the verification is rejected.
  • Otherwise, if any factor says review → it goes to review.
  • Otherwise → accepted.

This makes decisions predictable and auditable: every outcome traces back to the specific factors that drove it, visible in the Digital Identity detail.

Types of Trust Factors​

TypeHow it decides
ScoreCompares a 0–1 score against two thresholds — one below which it rejects, one below which it sends to review.
BooleanA pass/fail check (e.g. "document not expired"). Failure rejects or sends to review.
IntegerCompares a calculated integer number against thresholds.

The score and integer Trust Factors have four input thresholds:

  • Reject low - A score below this threshold causes the TF to return Reject
  • Review low - A score below this threshold causes the TF to return Review
  • Review high - A score above this threshold causes the TF to return Review
  • Reject high - A score above this threshold causes the TF to return Reject

There is an input validation ensuring that Reject low < Review low < Review high < Reject high. If some of the values are not entered, the TF will not return such result

The boolean Trust factors can be configured to one of these 4 conditions:

  • Reject if True
  • Review if True
  • Review if False
  • Reject if False

If the Trust Factor is not enabled, the underlying computed value does not affect the identity verification result (TF is ignored).

Default thresholds​

Trust Factors ship with sensible defaults that a Company can tune. These values are defaults, not fixed rules — see Administration → IDV Configuration to review and adjust them.

Per-workflow profiles​

A Company can define multiple Trust Factor profiles and assign a different one to each workflow, based on the possible risk of such operation. The workflow references its profile; changing the profile changes the decision behavior without touching the flow.

See also​