Non-Document Verification in Singapore: MyInfo-Based KYC Without Document Uploads

What Is Non-Document Verification?

Traditional KYC requires users to photograph or scan identity documents, upload them, and wait for review. Non-document verification eliminates that step entirely. The system pulls verified identity data directly from government databases and matches it against a live biometric check.

The user authenticates through a national digital identity system. The system accesses government-verified data and compares a live selfie for biometric confirmation. No blurry photos. No re-uploads. No friction.

In Singapore, this approach is uniquely powerful because of MyInfo — one of the most advanced government-verified personal data platforms in the world.

How Non-Doc Verification Works in Singapore

Singapore's digital identity infrastructure is among the most mature globally, with multiple interconnected systems that make non-document verification seamless and highly reliable.

SingPass is Singapore's national digital identity platform, used by over 4 million residents — covering approximately 99% of citizens and permanent residents aged 15 and above. It provides secure authentication for government and private-sector digital services, supporting two-factor authentication and biometric login.

MyInfo is the government-verified personal data platform built on SingPass. It contains over 40 verified data fields sourced directly from government agencies: full name, date of birth, NRIC number, nationality, address, employment, CPF contributions, and more. When a user consents to share MyInfo data, the business receives pre-verified, government-sourced information — not self-declared data. This eliminates document collection entirely.

NRIC (National Registration Identity Card) is Singapore's mandatory identity document for citizens and permanent residents, managed by the Immigration and Checkpoints Authority (ICA). The NRIC number is a unique alphanumeric identifier anchoring all government records. For foreign residents, the equivalent is the FIN (Foreign Identification Number), also issued by ICA.

Together, these systems create arguably the world's most streamlined non-document verification environment — SingPass for authentication, MyInfo for verified data, and NRIC/FIN as the unique identifier — all through consent-based, API-accessible infrastructure.

The Verification Flow: Step by Step

Non-document verification in Singapore follows a streamlined process that typically completes in under 30 seconds.

Step 1: SingPass authentication. The user is redirected to the SingPass login portal where they authenticate using their credentials, biometrics, or the SingPass app. This is the same login they use for all government services — highly familiar with near-universal adoption.

Step 2: MyInfo consent. After authentication, the user sees a consent screen listing the specific data fields the business is requesting. The user explicitly authorizes the data share. This consent mechanism is mandated by Singapore's smart nation framework and ensures full transparency.

Step 3: Liveness check. The user completes a quick selfie capture with liveness detection. Anti-spoofing technology confirms the person is physically present — not a photo, video, or deepfake.

Step 4: Face match. The live selfie is compared against the facial photograph held in government records linked to the user's NRIC or FIN. This biometric step ties the real person to the authenticated SingPass identity.

Step 5: Data validation. The system receives government-verified MyInfo data — name, date of birth, NRIC/FIN, nationality, address, and any additional fields the business requested. Because this data comes directly from government sources, there is no need for secondary validation or manual review.

Step 6: Instant decision. Based on the biometric match score, data completeness, and configured risk rules, the system returns an approved, declined, or manual review result. With MyInfo's pre-verified data, the vast majority of verifications resolve instantly with high confidence.

Why Singapore Businesses Need Non-Doc Verification

Singapore's regulatory environment and its position as Asia's leading fintech hub make non-document verification both a compliance requirement and a competitive advantage.

The Monetary Authority of Singapore (MAS) enforces rigorous KYC and AML requirements. MAS Notice 626 (banks) and Notice PSN02 (payment services) mandate customer due diligence including identity verification. Critically, MAS actively encourages MyInfo for KYC purposes, recognizing it as a reliable verification method.

The Payment Services Act 2019 brought digital payment tokens, cross-border transfers, and e-money issuance under MAS licensing. Every licensed entity must implement KYC procedures, creating massive demand for efficient verification across the fintech ecosystem.

Singapore's fintech market is dense with innovation. Companies like Grab Financial Group, GXS Bank, Trust Bank, and Fazz compete for users who expect government-grade security with consumer-grade simplicity. Document upload friction directly threatens conversion rates.

Crypto licensing under MAS regulation has formalized KYC for digital payment token service providers. Exchanges and custodians need verification that satisfies MAS standards without creating onboarding barriers.

With 5.9 million people in one of the world's most digitally advanced economies, Singapore's users have zero tolerance for clunky verification. They use SingPass daily and expect verification to match that standard.

How Didit Makes Non-Doc Verification Simple

Didit provides a complete non-document verification solution for the Singapore market, combining MyInfo and SingPass integration with biometric verification and global compliance tools.

Direct government platform integration. Didit connects to MyInfo APIs to receive government-verified personal data through the user's SingPass authentication. No document uploads, no OCR errors, no image quality issues — just pre-verified data from the source.

Industry-leading pricing. Core KYC verification at $0.30 per check — 3 to 5 times cheaper than competitors like Jumio, Onfido, or Sumsub. No minimum volumes, no annual contracts, and 500 free verifications per month to get started.

API-first architecture. A single API integration handles the entire flow: SingPass redirect, MyInfo consent, liveness capture, face matching, and result delivery. SDKs available for web, iOS, and Android.

Full verification stack. Non-doc verification is one part of Didit's platform. Combine it with AML screening against 1,000+ global sanctions and watchlists, ongoing monitoring for continuous compliance, proof of address, and phone verification — all through the same integration.

Global coverage. While MyInfo-based verification serves the Singapore market, Didit supports 220+ countries and 14,000+ document types for international users. Businesses expanding beyond Singapore do not need a second verification provider.

Singapore has built the identity infrastructure most countries aspire to. MyInfo makes non-document verification the expected standard, and Didit makes it accessible to businesses of every size — from early-stage fintechs to enterprise platforms processing millions of verifications.

Start verifying for free or explore the documentation.