Transforming KYC from a friction point into a reusable, privacy-first digital asset.
one-id-video1.webm
1. The Landscape & The Problem
In the current financial landscape, digital onboarding is fundamentally broken. Every time a consumer opens a new bank account, crypto wallet, or brokerage app, they are forced to repeat the same tedious Know Your Customer (KYC) process.
The Competitor Shortfall:
Current market leaders provide session-based KYC. They are highly secure, but they treat every user as a stranger every single time. This creates two massive problems:
- For the Business: KYC fatigue leads to an industry-average 35% user drop-off rate during onboarding, drastically increasing Customer Acquisition Cost (CAC).
- For the Consumer: Users are forced to constantly upload raw, highly sensitive documents (full Aadhaar cards, PAN cards, passports), increasing anxiety and violating the data minimization principles outlined in India's new DPDP Act.
2. The Hypothesis
What if identity verification wasn't a process, but a reusable wallet? If we can allow a user to verify their identity once with Signzy, store that verified credential securely on their device, and use it across the entire Signzy merchant network with a single biometric scan, we solve the drop-off problem for businesses and the privacy problem for consumers.
3. The Solution & UX Strategy
When a user needs to complete KYC on any third-party app within the Signzy merchant network, they can use their Signzy One-ID to securely verify their identity in seconds. To achieve this, I designed the Signzy One-ID as a seamless B2B2C handoff experience.
Key Design Decisions:
- Visual Trust Boundaries: The host app uses a dark, trendy aesthetic to drive consumer engagement. The Signzy intercept slides over it using a pure, clinical "Enterprise Light" theme (Inter typography, Signzy Blue, white surfaces) to instantly establish institutional trust.
- The Biometric Gateway: Before any data request is revealed, the wallet locks itself behind a local device biometric check (FaceID/TouchID). This proves device ownership and prevents unauthorized data sharing.
- Consumer-Friendly ZKP (Zero-Knowledge Proofs): The core innovation is how we present data consent. Instead of showing the user their raw Aadhaar number or exact Date of Birth (which induces privacy anxiety), the UI uses "Privacy Tags" to explain that only cryptographic proofs are being shared:
- Instead of DOB:
< Verified >18 (DOB Hidden) >
- Instead of Aadhaar:
< Encrypted (Actual ID Hidden) >
4. The User Flow