accelitas

account ownership validation

Real-time account ownership validation—no bank credentials required

Protect against identity fraud and reduce manual reviews across near-prime and underserved populations

In today’s digital-first world, validating ownership—not just existence—in real-time is essential to stay ahead of fraud, improve conversions, and build trust. Ai Validate AOV confirms ownership without online-banking credentials, leveraging robust alternative data and proprietary AI/ML to deliver faster, more inclusive, and more accurate decisions at scale. Replacing legacy, incomplete checks with a modern, cloud-native platform it lowers abandonment, reduces manual reviews and costs, streamlines onboarding, and aligns with Nacha Operating Rules—all while supporting high-volume performance.

 

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Key Benefits

Smarter risk decisions: Proprietary ML models connect PII to bank-account signals to assess ownership likelihood.
Inclusive by design: Strong coverage in near-prime/subprime (60–70%).
Frictionless: Non-credentialed experience designed to minimize drop-off.

How it works:

  1. Submit PII + account/routing.

  2. Receive a real-time ownership likelihood (Score 0–1,000).

  3. Decision: Accept / Review / Decline.

Frequently Asked Questions

How is AOV different from micro-deposits or credentialed flows?

AOV is faster and more efficient than micro-deposits, and it avoids bank login friction and abandonment.

Does AOV validate account existence or ownership?

AOV verifies ownership—not just existence.

What data powers AOV?

AOV is powered by alternative FCRA credit data and a proprietary machine-learning model.

What results can I expect?

You can expect reduced fraud and fewer manual reviews, with strong performance in the near-prime and subprime consumer populations.

Is this a “one size fits all” type of service?

AOV delivers real-time responses and is designed for high-volume processing.

How do I get started?

Request a consultation, run a small batch retro test, and proceed with an easy implementation.

 

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