how it works

One integration. The consumer never leaves your flow.

Express Submission powered by UCAPTM replaces the form, the uploads, and the manual review with a single consent-approved data request. Here's exactly what happens.

three steps

From request to verified data, in under a minute.

Step 01

Consumer builds their Universal Profile™ once

Before they reach you, the consumer can build a reusable Universal Profile™ containing identity, income, address and linked evidence. Each claim retains its own completeness, verification and freshness state, so your request can show blockers before consent.

Identity · Smile ID evidenceIncome · Canonical claimsAddress · Linked evidence

Step 02

You request via one API call

Drop the Express Submission powered by UCAPTM button on any page, or call the REST endpoint directly. Your request is scoped to exactly the fields your application needs.

POST /v1/consent-requests
{
  "product": "prd_vehicle_finance",
  "fields": ["identity", "income", "address"],
  "ttl_days": 30
}

Step 03

Consumer approves. Data is released.

A real-time consent prompt appears on the consumer's device for every request. Once they approve, verified data and a full audit trail are securely shared with your backend — in under 60 seconds. They never leave your platform.

verified at the source

Every claim is independently verified.

Identity, income and address evidence are matched, sourced and graded before they ever reach you — not just self-reported.

See how we verify data