How ALVOS scaled digital lending with Oz Forensics
Learn how ALVOS, one of Mexico's fastest-growing microcredit fintechs, automated onboarding and turned identity verification from a bottleneck into a growth engine.
Success Stories
Description
A brief history of Alvos
ALVOS is a Mexican fintech launched in May 2023 that offers automated microloans and personal loans through a 100% digital, app-based platform. The company primarily serves the unbanked population (people who, for various reasons, lack access to traditional banking services) with short-term, small-amount loans. Its operation combines fast credit origination with Open Finance solutions (via Belvo) for high-volume automated loan recovery, positioning it among the highest-volume fintechs in its segment in the country.
The challenge
During its first two years of operation, ALVOS verified each new customer's identity manually. As the portfolio grew rapidly, the manual model became three critical bottlenecks:
Speed: approving a new customer took about 3 hours, incompatible with the "in minutes" credit promise that defines the segment.
Cost and scale: manual verification required dedicated, intensive operational effort, with a growing risk of human error as volume increased.
Fraud risk: with no physical contact with the customer and a rapidly expanding portfolio, reliable identity verification became an indispensable pillar of security.
ALVOS needed a simple and straightforward solution that could automate onboarding without adding unnecessary complexity for a lean team.
Choosing the right technology: Why Oz?
Other options were more expensive and came with functionality ALVOS didn't need. Oz's solution was simple and straightforward - exactly what the company was looking for - and backed by world-class biometric verification technology, built to the most rigorous standards in the world:
Certified accuracy: iBeta ISO 30107-3 Level 1 & 2 (0% FAR), NIST FRVT 99.99%, BixeLab 0% APCER, SOC 2® and ISO/IEC 27001:2022.
Passive liveness in <1 second of capture, optimized for first-time biometric users.
Two-layer injection-attack defense: SDK environment check plus server-side DNN on Oz's proprietary video container.
Same APIs and SDKs from MVP to bank: SaaS, on-premise, on-device, or hybrid liveness, available when regulation demands it.
Proven operating throughput: ~36 analyses per minute per BIO node, with headroom for 10x growth.
Oz Biometry
matches a person's face against a trusted reference to confirm they are who they claim to be.
Oz Liveness
detects presentation and injection attacks, ensuring the person on camera is real and live.
Why this choice?
ALVOS implemented Oz Forensics' identity verification within the onboarding process - the highest-risk moment, when a new customer is verified for the first time. Since subsequent loans follow a simplified flow to streamline the journey, biometric verification is concentrated at customer entry.
The Oz Forensics platform combines:
Liveness detection to distinguish a real person from a presentation-attack attempt, certified to ISO/IEC 30107-3 (PAD).
Face matching benchmarked by the global NIST FRVT.
Information security and data protection standards: ISO 27001 + SOC 2 and GDPR compliance.
The result is end-to-end automated onboarding, in which verification that once took hours is now completed in minutes.
With identity verification solved, ALVOS sustained significant growth in Mexico and began planning its expansion into other markets.
The Game-Changing Results
Faster Onboarding
Approval dropped from 3 hours to 10 minutes. Onboarding is no longer a bottleneck and now keeps pace with the business.
18x
Lower Verification Cost
Automating identity checks dramatically lowered the cost of verifying each new customer, achieving a 92% reduction compared with the previous manual process.
-92%
New customers
Around 290,000 new customers onboarded per month, a scale that manual verification could never have sustained.
290K/mo
About
ALVOS is a fast-growing Mexican fintech offering automated microcredit and personal loans through a 100% digital platform. Since its launch in 2023, it has focused on serving the unbanked, providing quick, small-amount loans to those with limited access to traditional banking. Verifying each new customer quickly and securely at onboarding is essential to its high-volume, fully digital model.
Testimonial
"Before Oz Forensics, verifying a new customer took us hours. Now it happens in minutes. That single change let us approve far more new customers every month without growing our operation."
— Aleksandr Glebov, CTO
Your Journey to Success
ALVOS's partnership with Oz shows how fast, reliable liveness detection can turn onboarding from a bottleneck into a growth engine.
If you'd like to explore how Oz can help streamline and secure your onboarding, we're ready to support your journey.
