Step 1
The passport with no manual entry
The customer photographs their passport — the form fields fill automatically and the document is checked for forgery and traces of editing. In an office a camera or a counter scanner does the same.
Borrower screening for microfinance and microcredit companies
We check a loan application before the money goes out: whether the passport is valid, whether there are debts or a bankruptcy, whether the phone number belongs to the borrower, whether the document is forged, and whether the same person is filing their tenth application under a new name. In a single API call — in seconds and from 5 ₽ per check.
Russian passport Full name and date of birth Tax number Phone number
Data stored in Russia · Russian software registry no. 19972 · 115‑FZ and 152‑FZ
What changed for microfinance companies in 2025–2027
In eighteen months microfinance companies have been given more mandatory checks than in the previous ten years. Below is what has to be done before a loan is issued, and from what date.
The mandatory checks against the Bank of Russia database, the self-imposed ban and identification through the Unified Biometric System are carried out by the microfinance company itself or through its own providers. NeuroVision covers the borrower and document checks that help decide whether to issue the loan.
- NeuroVision anti-fraud
Anti-fraud before the loan
353‑FZ — from 1 September 2025.
On every loan decision
- Check the recipient against the Bank of Russia database of transfers made without the customer's consent
- Verify that the card or account the money goes to belongs to the borrower: the borrower's name must equal the recipient's name
The cooling-off period after signing
- 50,000 to 200,000 ₽ — 4 hours
- Above 200,000 ₽ — 48 hours
From 1 March 2025 · 31‑FZ
- Check the self-imposed loan ban through the credit history
- More about the Unified Biometric System
Identifying an online‑borrower
An online loan only after identification through the Unified Biometric System.
From 1 March 2026
- Microfinance companies: an online loan only after identification through the biometric system
- Microfinance companies: loans under simplified identification are banned
From November 2026
- The face alone is enough for identification, with no voice
From 1 March 2027
- Microcredit companies: an online loan only after identification through the biometric system
- Watchlist screening
Watchlists and 115‑FZ
Screening customers against the Rosfinmonitoring watchlists and freezing funds.
Screen
- The customer against the Rosfinmonitoring list — at onboarding
- The entire customer base — at least once every 3 months
On a match
- Freeze the funds under the national list and the Commission's decisions — within 24 hours of publication
- Report the freeze to Rosfinmonitoring — within 1 working day
Fraud schemes in microlending
A microloan is fast money with no collateral, which is why fraudsters reach microfinance companies before they reach banks. Fraud protection starts before the money goes out: here are the schemes NeuroVision's checks catch at the application stage.
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A loan taken out on someone else's passport
A fraudster files an application using the details or a photo of someone else's passport: lost, stolen or bought from a data leak. A passport validity check with the police and the signs of document substitution reveal this before the decision.
Most often enabled:
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A forged or edited passport
The passport photo is edited in a graphics editor or generated by a neural network: the photo, the date of birth or the number is changed. 40+ anti-fraud checks find traces of editing, printouts and screen captures.
Most often enabled:
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Repeat applications under different names
One person files applications on different passports to get around a rejection or to stack loans at one lender. Matches on the phone number, the tax number and the application data reveal the linked applications.
Most often enabled:
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Someone else's number or a burner
The application comes from a number registered to someone else or bought yesterday. Operator checks show who the number belongs to, whether it is active and how old it is.
Most often enabled:
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A borrower with debts and a bankruptcy
The person is already in bankruptcy proceedings, with large enforcement cases or tax arrears. Such a loan will almost certainly not come back.
Most often enabled:
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A borrower on the Rosfinmonitoring list
A microfinance company falls under 115‑FZ: issuing a loan to a person on the Rosfinmonitoring list is a breach, leading to a freeze of funds and a fine. The check takes seconds and costs 5 ₽.
Most often enabled:
The biometric system confirms identity — NeuroVision checks the application
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Before biometrics: weed the application out at once
An invalid passport, someone else's phone, a bankrupt borrower — there is no point taking that application as far as biometrics. Database checks cost 5 ₽ and take seconds.
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Alongside biometrics: what it does not check
The biometric system confirms it is the same person. Debts, bankruptcy, scoring, watchlists and the phone number are checked by NeuroVision — in a single API call.
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Where biometrics is absent: offices and microcredit companies
In an office the passport is recognised by a camera and checked against the databases straight away. Microcredit companies will identify through the biometric system from 1 March 2027 — until then they need document and data checks.
The loan decision is the lender's.
NeuroVision supplies the data that makes it fast and safe.
How a borrower check works
The checks slot into your application form and scoring: the application data goes to the API and the response comes back before the underwriter or the scoring model makes a decision.
Step 2
Database checks in a single request
From the passport and phone data the required checks are launched: passport validity, the tax number, bailiff records, bankruptcy, taxes, microfinance scoring, the phone number and the Rosfinmonitoring list. Only the ones you have enabled.
Step 3
A response for the scoring model and the underwriter
For every check: the result, the source, the date and the records found, in JSON. The workflow's rules reject the application, send it for manual review or pass it to scoring. Skipped checks report which data was missing.
Which checks a microfinance company needs
Build a set to match your scoring model: every check is enabled separately and costs 5 ₽. Descriptions, sources and response fields are in the API check catalogue.
The borrower's passport and identity
Whether the document is valid and whether this is the right person, according to the state systems.
- Police · SMEV
Validity of a Russian passport
The authenticity and validity of a Russian passport through the interagency interaction system. It catches expired, replaced, lost and invalid documents and verifies that the passport was issued to this particular person.
5 ₽ / check
Learn more - Federal Tax Service
Retrieving the tax number
Determining the tax number from the passport data. It unlocks the checks that need precise identification of the person — with no namesakes.
5 ₽ / check
Learn more - Social Fund · SMEV
Validating the social insurance number
Checking the social insurance number against the full name and date of birth: does the number really belong to this person. The answer is a match or no match.
5 ₽ / check
Learn more - Police
Police wanted list
A search of the federal database of people wanted by the police. Filtered by the full date of birth — results with no namesakes.
5 ₽ / check
Learn more - Rosfinmonitoring
The list of terrorists and extremists
Screening against the list of people involved in extremist activity or terrorism. A mandatory check under 115-FZ.
5 ₽ / check
Learn more
Debts, bankruptcy and scoring
Whether the borrower will repay: their debt burden, court cases and a market-data assessment.
- Federal Bailiffs Service
Enforcement proceedings
Active enforcement proceedings from the bailiffs' database: the amounts owed, the claimants, the type of recovery and an estimate of how close the person is to bankruptcy given their total debts.
5 ₽ / check
Learn more - Federal bankruptcy register
Personal bankruptcy
A search of the federal bankruptcy register: personal bankruptcy cases filed and completed. By tax number the result is unambiguous.
5 ₽ / check
Learn more - Federal Tax Service · SMEV
Tax arrears
An individual's outstanding debt on taxes and payments administered by the tax service.
5 ₽ / check
Learn more - Federal Tax Service
Account operation freezes
Tax authority decisions suspending account operations: the date, the decision number and the reason for the freeze.
5 ₽ / check
Learn more - Microfinance market data
Microfinance credit scoring
An assessment of the borrower's credit quality based on microfinance market data: a score from 0 to 1000. It requires the customer's consent to data processing.
5 ₽ / check
Learn more - OKB credit bureau
A creditworthiness score
A reliability score from the credit bureau's data, on a scale from 0 to 9. The score is informational — you set the threshold. It works from the passport, the tax number, the phone number or the full name with date of birth, and requires the customer's consent.
5 ₽ / check
Learn more
The phone number and signs of fraud
Who the number belongs to and how far it can be trusted.
- Telecom operators
The number belongs to the person
Confirmation that the phone number is linked to the customer's name. A yes/no answer.
5 ₽ / check
Learn more - Telecom operators
The number's activity
Whether the number is currently serviced by an operator.
5 ₽ / check
Learn more - Telecom operators
The number's age
How long the subscriber has used the number: from «less than three months» to «more than five years». Freshly bought numbers are a risk factor.
5 ₽ / check
Learn more - The register of nominee and serial directors
Nominee directors
A flag that the person is listed as a nominee or serial company director.
5 ₽ / check
Learn more - A commercial database
An individual's debts by tax number
A summary of an individual's debts by tax number — with no namesakes. It complements the bailiff and tax arrears checks.
5 ₽ / check
Learn more
What a borrower check costs
A fixed price per check, with no subscription fee. Checks skipped for lack of data are not billed — which matters when there is a steady stream of incomplete applications.
- Configure a set
Individual checks
5 ₽ per check
Only what your scoring model needs: the passport, bailiff records, bankruptcy and the phone number, say — 20 ₽ per application.
- Most popular choiceEnable the package
The «16 in 1» basic package
50 ₽ per package (3.125 ₽ per check)
A full borrower check against 16 key databases from a single passport, including the Rosfinmonitoring list. Bought separately they cost 80 ₽.
- Enable
International compliance screening
36 ₽ per check
PEP status, sanctions lists from more than 50 countries and adverse media — for foreign borrowers.
Passport recognition, document anti-fraud, scoring checks and phone number checks are priced separately — we will quote for your application volume.
Connected in one day
Two REST API methods: one launches the checks from the application data, the other returns the result. The checks slot into your form, your scoring or your CRM without a KYC session.
- JSON in and out
- A result for every check
- Webhooks
- Sandbox and documentation
Test access on the day you ask for it.
Integration takes from one working day. NeuroVision engineers support you throughout the roll-out.
Why microfinance companies choose NeuroVision
A microfinance company decides on a loan in minutes, and a mistake costs a default. It needs a vendor that answers fast, charges only for the checks performed and does not move data abroad.
Every borrower check in one API
The passport, debts, bankruptcy, scoring, the phone number, the watchlists and document anti-fraud — in one request and under one contract.
There is no need to reconcile five vendors' responses inside the scoring model.
A Russian developer
A Skolkovo resident; the platform is entry no. 19972 in the Russian software registry.
Licences and certificates
The project «Development of a multimodal system using artificial intelligence "Neuromed" for managing the diagnostic processes of a clinic on the basis of the "Neurovision" computer vision platform» is supported by the Innovation Promotion Foundation within the federal project «Domestic Solutions»
The Neurovision computer vision platform is registered with Rospatent (certificate No. 2023661508) and included in the Russian Software Registry (entry No. 19972 of 13.11.2023)
The right to use the Platform is granted under a licence agreement concluded by Neurovision with its customers
Read also
Anti-fraud, document checks and the requirements on financial institutions — in our blog.
385 13
KYC Document Verification
How KYC Systems Detect Forged Documents
110 18
KYC, AML and Digital Identification
Unified Biometric System (EBS): What It Is, How to Enroll Your Biometrics, and Where It’s Used
321 22
KYC, AML and Digital Identification
Fintech Compliance Under Federal Law 115-FZ: How to Build a KYC and AML Loop Without Overloading the Team
50 29
KYC, AML and Digital Identification
115-FZ: What Businesses Are Required to Do and How to Meet the Law’s Requirements
Frequent questions about borrower screening
Passport validity through the police, the tax number, bailiff debts, bankruptcy, tax arrears, microfinance credit scoring, the credit bureau score, the ownership and age of the phone number, the Rosfinmonitoring list and sanctions. Separately there is document anti-fraud: forgeries, traces of editing and screen photos.
No. From 1 March 2026 microfinance companies issue online loans after identification through the Unified Biometric System, and microcredit companies from 1 March 2027. NeuroVision covers what that system does not check: the validity and authenticity of the passport, debts, bankruptcy, scoring, the phone number and the watchlists.
The check against the Bank of Russia database and the verification of the recipient's details are carried out by the lender itself, through its access to the central bank database and requests to banks. NeuroVision adds the checks that weed fraudsters out earlier: passport authenticity, phone ownership, repeat applications, debts and bankruptcy.
Verify that the passport is valid according to police data, that the document photo has not been edited or shot off a screen, and that the phone belongs to the borrower and was not bought yesterday. Together these checks weed out most applications made on someone else's passport before the decision.
Each database check costs 5 ₽. The passport, bailiff records, bankruptcy and the Rosfinmonitoring list, for instance, come to 20 ₽ per application. A package of 16 checks from a single passport costs 50 ₽. There is no subscription fee.
Database checks answer in seconds and slot into scoring before the loan decision. The timing depends on the source: responses from state systems over SMEV take longer than commercial databases.
For microfinance credit scoring and the credit bureau score, yes: consent to data processing and to a credit bureau request is needed. For the other checks, the consent to personal data processing under 152‑FZ that the lender already collects in the application form is enough.
Yes. In an office the passport is recognised by a camera or a scanner with no manual entry, and the checks are launched from the web interface or from your own system.
Yes, we give test access the same day you ask. Send us a stream of test applications and we will work out how many are weeded out at each stage.
We will put together the checks for your microfinance company
Tell us how many applications you process a month and where you lose money — we will assemble a set of checks and give you test access the same day.
Can't put your request into words? Book a call and our team will contact you at a convenient time
Book a call
The company is included in the register of IT companies and the register of personal data operators of the Russian Ministry of Digital Development.
Address: Moscow, Presnenskaya Embankment 12 — Moscow City business centre, Federation Tower. Nearest metro stations: Delovoy Tsentr and Mezhdunarodnaya.
