How Klar expands financial inclusion across Mexico with Incode
Incode verifies every new Klar user from a photo of their official ID (INE) and a selfie, opening formal financial services to people traditional banking has excluded.
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.
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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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
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.