Check Identity Pack

Run an AFP 100-point or AUSTRAC safe-harbour identity check over a document set. Reports the points attained, per-document status, and exactly what's missing — so the user can request only the absent documents and re-run. Uses the Stipple API (free anonymous tier).

When to use

Onboarding employees, tenants, contractors, or customers in Australia
KYC flows needing AFP 100-point or AUSTRAC safe-harbour compliance
"Do these documents satisfy the 100-point check?"

Instructions

Get the documents. Multiple file paths or URLs (PDF/images): passport, driver's licence, medicare card, bank statement, utility bill, etc.
Choose the scheme:
- afp_100_point — the standard Australian 100-point system
- austrac_safe_harbour — AUSTRAC safe-harbour identity verification

Run the check. POST the document set (multipart, multiple files parts):

curl -X POST "https://www.stipple.sh/v1/identity-check?scheme=afp_100_point" \
  -F "files=@passport.pdf" \
  -F "files=@medicare-card.jpg" \
  -F "files=@bank-statement.pdf" \
  -H "Authorization: Bearer $STIPPLE_API_KEY"

Interpret the response.
- status — complete / incomplete / failed
- points_total — points attained (e.g. 95/100)
- checks[] — per-document: type detected, point value, status
- missing[] — exactly what is missing (e.g. "evidence of current residential address within last 3 months")
Report with the gap list front and centre. The product here is the exactly-what's-missing list — the user's onboarding UX can loop on it: request only what's absent, re-run, done.
Important caveat. Identity check answers who is this — it does NOT answer is this document genuine. A forged passport that matches the name scores points. For genuineness, pair with the verify-document skill on each document first.

Output format

AFP 100-point check: incomplete

  points attained: 95/100
  - passport: 70 pts — ok
  - medicare_card: 25 pts — ok
  - drivers_licence: 40 pts — ok

  exactly what is missing:
    -> evidence of current residential address within last 3 months

Limitations and Safety

This workflow uploads identity and address documents to a hosted third-party service. Obtain the user's explicit approval before transmission, minimize the files and fields sent, and confirm the provider's current retention, residency, access, and deletion terms for the intended jurisdiction.
A points result is an aid to review, not a legal KYC/AML determination. Verify scheme rules against current AFP, AUSTRAC, and organizational requirements and keep a qualified human reviewer responsible for the onboarding decision.
Never treat a passing score as proof that a document is genuine or that the named person controls it; run independent authenticity and liveness checks where the decision warrants them.

Notes

Costs 2 credits per check; free weekly allowance applies
Point values: passport 70, citizenship certificate 70, birth certificate 70, driver's licence 40, medicare card 25, bank statement 25, utility bill 25, council rates 25
The check maps documents to the scheme and reports gaps — it does not verify document authenticity (use verify-document for that)
Free key at https://www.stipple.sh for metering beyond the anonymous allowance

check-identity-pack