How Klar expands financial inclusion across Mexico with Incode
Klar, a Mexican fintech with more than 7 million users, uses Incode to verify every new customer during onboarding. Each user takes a photo of their official ID (INE) and a selfie, and identity verification completes in seconds. That opens formal financial services, and 50% more credit access, to people with little or no credit history.
more credit access for users with little or no credit history
of credit limit increase offers accepted within the first week
higher average purchase amount after obtaining credit
users who trust Klar
A bank for everyone, from digital natives to first-time smartphone users
Klar is transforming Mexico's financial landscape with a focused mission: grow universal credit access by 85% for people who have historically been excluded from traditional banking.
What began as a financial services app for digital users evolved into a platform open to everyone. Klar's conviction is simple: financial inclusion should not depend on financial literacy, digital skills, or complicated paperwork.
Klar's mission to grow credit access depends on onboarding people traditional banking has excluded. Identity verification from a photo of the official ID (INE) and a selfie lets Klar welcome users at every level of comfort with technology, without complicated paperwork.
Making “bank for everyone” actually mean everyone
Mexico's inclusion problem runs deeper than the topline figures: 85% of Klar's users lacked formal access to credit.
Traditional banks build around formal documentation, established credit history, and stable formal employment, requirements that automatically exclude millions of hardworking Mexicans. Breaking that cycle meant rethinking onboarding from scratch.
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01
Serve every generation
Unlike fintechs built for digital natives, Klar needed to onboard users across all age groups and every level of comfort with technology.
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02
True first-timers
Many users had never had a credit card, used mobile banking, or taken a selfie to verify identity. Every interaction needed to inspire trust.
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03
Scale without friction
Grow from thousands to millions of users without losing a secure and personal experience.
Klar's initial identity verification worked for basic onboarding. Reaching the excluded required a partner who understood that financial inclusion also requires technological inclusion.
Advanced technology with people-first design
The partnership began with a simple question: how do you make identity verification feel as natural as unlocking a phone?
The answer a user sees is a photo of their official ID (INE) and a selfie, verified in seconds.
Instant official ID verification
Identity Verification
Advanced document analysis reads and validates Mexico's national ID (INE) with official validation, confirming a genuine document the moment it is submitted.
A selfie that proves a real person
Effortless facial biometric matching with passive liveness confirms the person behind the document, with no gestures or extra steps asked of the user.
Designed for true first-timers
Smart auto capture works for any user, and real-time guidance builds confidence for people taking their first verification selfie. The result flows straight into Klar's credit evaluation and onboarding.
Doors that were closed are opening: student approvals have doubled, new users are earning returns on savings for the first time, and deposits pay up to 11% guaranteed.
How it works
What makes verification work for everyone
Built for official IDs
Verification is tuned for Mexico's national ID (INE) and the realities of the local market, from document quirks to users skeptical of financial institutions.
Works on any phone
Klar and Incode optimized verification flows together for a wide range of smartphones and real-world conditions across the country.
Biometrics and context together
Passive biometric and context analysis run behind every session, so security holds without adding steps for the user.
Scale without compromise
Incode's infrastructure scaled alongside Klar from thousands to millions of users without sacrificing either company's standards for quality and trust.
Trust across the lifecycle
Secure identity validation extends across the customer lifecycle, keeping every later interaction as safe as the first.
Privacy is the architecture
Incode made privacy a founding conviction long before regulation or the market asked for it. Its AI-first identity verification reduces fraud while remaining private and compliant.
Testimonial
“Klar exists to expand universal financial access in Mexico. Reaching customers with limited access to credit at scale required a completely new way to think about identity verification, aligned with our mission and our technology. Incode delivers exactly that.”
Luis Ortiz, COO, Klar
Frequently asked questions
Questions specific to the Klar story
Still have questions? Talk to an expertHow does Klar verify a new user's identity?
A new user takes a photo of their official ID (INE) and a selfie. Incode checks that the document is genuine through official validation, matches the face to it with passive liveness, and delivers a result in seconds that feeds Klar's credit evaluation and onboarding.
Why did Klar need a new approach to identity verification?
Among Klar's users, 85% lacked formal access to credit, and traditional banking requirements around documentation, credit history, and formal employment shut out millions of Mexicans. Klar's early verification handled basic onboarding, but reaching excluded users meant treating technological inclusion as part of financial inclusion.
What results has Klar seen since working with Incode?
Users with little or no credit history gained 50% more access to credit, 90% of credit limit increase offers are accepted within a week, and average purchase amounts after obtaining credit are 1.8x higher. Approvals for students have doubled, and deposits pay up to 11% guaranteed.
How does verification work for people taking their first selfie?
Smart auto capture adapts to any user, and real-time guidance supports people through their first verification selfie. Many Klar customers had never held a credit card or used mobile banking, so each step is designed to earn their trust.
Which ID does Klar use for verification?
Verification is tuned for Mexico's national ID, the INE. Document analysis confirms authenticity as soon as the ID is submitted, and Klar and Incode optimized the flow for a wide range of smartphones and real-world conditions across the country.
How does Klar keep verification secure without adding friction?
Biometric and context analysis run passively behind each session, keeping the experience simple while every session is screened. Secure identity validation also extends across the customer lifecycle, so later interactions carry the same protection as the first.
Has verification scaled as Klar has grown?
Yes. Incode's infrastructure grew alongside Klar from thousands of users to more than 7 million, holding both companies' standards for quality and trust as volume climbed.
What's next
See how Incode expands access for fintech
Verify every new user from a document and a selfie, and open the door to the customers others exclude.