> For the complete documentation index, see [llms.txt](https://docs.vida.id/identity-stack/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.vida.id/identity-stack/product/industry-use-cases/bnpl-and-credit-card.md).

# BNPL and Credit Card

### BNPL and Credit Card  Platform - Use Cases

VIDA ensures secure and compliant onboarding, verification, and transaction flows for BNPL and credit card services. From identity and income verification to fraud prevention and digital consent, every step is designed to protect users and meet regulatory requirements.

<figure><img src="/files/oeWN966WPpdyqMzEFDUO" alt=""><figcaption></figcaption></figure>

**Customer Onboarding & KYC**

* User prompted to sign up for the BNPL service.
* The BNPL provider requests user identification details and government-issued ID.
* [**OCR**](/identity-stack/verify/document-ai.md) automatically extracts data from the user's government-issued ID.
* [**KYC**](/identity-stack/verify/indonesia-verification.md) validation checks the authenticity of the provided details and ID.

**Liveness Detection & FaceMatch**

* User is prompted to take a selfie.
* [**Liveness Detection**](/identity-stack/verify/liveness.md) ensures the user is present and not using a photo or video.
* The system uses [**FaceMatch**](/identity-stack/authentication/authentication-factors/biometric-device-selfie-id/integration-methods/face-match-api.md) to compare the selfie with the ID photo, confirming the user's identity.

**Credit Risk Assessment**

* The BNPL service requests the user's income documents and automatically verifies them using **VIDA** [**Income Verification**](/identity-stack/verify/income-verification.md) tools.

**Transaction Authentication & Fraud Prevention**

* For higher-value purchases, the system conducts **liveness checks** and [**Device Authentication**](/identity-stack/authentication/authentication-factors/cryptographic-token-pki.md) to ensure the transaction is initiated by the user on a trusted device.

**Loan Approval Acceptance & Consent with e-Meterai**

* After completing the onboarding and verification process, the user reviews the loan agreement.
* Once completed, the user provides consent for loan acceptance.
* The user can apply a [**Digital Signature**](/identity-stack/sign/digital-signature.md) and [**e-Meterai**](/identity-stack/sign/e-meterai-stamp/api-integration/e-meterai-api.md) simultaneously on the loan agreement document.

**AML-CTF Checks**

* As part of compliance, **VIDA** runs **AML-CTF** checks to identify any suspicious activity or fraud.