Socure, the leading trust infrastructure for global identity and risk intelligence, today announced U.S. mobile driver’s license (mDL) verification in DocV, its identity verification product. Organizations can now verify mDLs cryptographically against the issuing state authority, presented from Google Wallet and Samsung Wallet, during remote onboarding and step-up flows.
The launch follows a significant regulatory shift. On September 8th, 2026, FinCEN, Federal Reserve Board, FDIC, OCC and NCUA jointly issued FAQs confirming that an unexpired, government-issued verifiable digital credential can qualify as documentary evidence under the Customer Identification Program Rule. The guidance attaches a condition: the institution must have the technology or systems necessary to extract the required information. It also states that a digital credential is not automatically sufficient where there are indications of fraud, and that the institution must still form a reasonable belief that it knows the customer’s true identity.
Technology intelligence firm ABI Research projects the U.S. mDL install base will grow from 21.7 million in 2025 to 143 million by 2030, with 40 states issuing digital licenses. Today, 21 states issue mDLs conforming to the ISO/IEC 18013-5 standard, more than 8 million credentials are active, and roughly 45% of Americans live somewhere one is available. mDL verification complements Socure’s physical document capture rather than replacing it, providing organizations a second path as digital wallets become part of how consumers carry their credentials.
The harder problem is remote verification. Most mDL deployments to date have supported in-person presentation, the airport-checkpoint tap covered by Part 5 of the ISO standard. But the verifications that carry the most risk happen remotely — opening an account, claiming a benefit, onboarding to a platform — and remote presentation under Part 7 has been supported unevenly across wallets. Socure DocV now supports remote presentation from Google Wallet and Samsung Wallet, so the credential can be verified online with the issuing state standing behind it rather than inferred from a photograph of a plastic card.
With Socure mDL verification, users digitally present their credentials from their mobile wallet during onboarding or step-up verification, without the need to photograph an ID. Verification can be completed in seconds, without retakes or upload errors, helping organizations reduce friction, improve conversion, and deliver a faster experience for legitimate users.
“Socure’s integration to leverage mobile driver’s licenses expands the number of places that people can use their digital IDs, offering a high assurance, low friction verification experience,” said Alan Stapelberg, Group Product Lead, Google Wallet.
mDLs introduce a fundamentally different security model. When a state DMV issues an mDL, the credential is cryptographically signed. Socure uniquely uses cryptographic credential validation as the starting point, not the finish line, verifying that a mobile driver’s license was issued by the state DMV, then layering in device, behavioral, and identity intelligence to help determine whether the person presenting it should be trusted.
Taken together, the guidance describes the architecture Socure built. Cryptographic validation establishes that the state issued the credential and that it has not been altered. Socure then layers device, behavioral and identity intelligence to assess whether the person presenting it should be trusted — the reasonable-belief standard the agencies describe. For banks, credit unions, fintechs and other regulated businesses, that combination is what turns a regulatory allowance into a deployable workflow.
“Mobile driver’s licenses represent a major shift in how consumers prove who they are online,” said Deepanker Saxena, Head of Document Verification at Socure. “We want organizations to be able to trust any credential a person shows up with, physical or digital, and pair that with device, behavioral, and identity risk signals so trustworthy users move fast and fraud gets stopped. Balancing the equation between trust and friction is an essential step to scaling consumer adoption within the U.S.”
The new mDL capability is now available in Socure DocV for organizations looking to modernize onboarding and step-up flows, reduce abandonment, and strengthen fraud prevention. As more consumers choose to verify with mobile credentials, organizations can deliver secure and high-quality experiences for gig workers, job seekers, and citizens using government services.
Today’s announcement comes alongside an extension of Socure’s partnership with Xcelerate Solutions to support critical public sector use cases under the Login.gov Next Generation Identity Proofing Blanket Purchase Agreement. Operating within Socure’s FedRAMP Moderate environment, the capability gives government agencies a secure, mobile-native way to verify state-issued digital credentials while reducing friction for citizens accessing online services.
About Socure
Socure is the leading AI-native trust infrastructure, providing identity and risk intelligence to the world. Socure is trusted by the largest enterprises and government agencies to build trust and mitigate risk with its identity verification, compliance and fraud prevention solutions. Leveraging AI and machine learning, Socure achieves the highest accuracy, automation, and capture rates in the industry.
Serving more than 3,000 customers and 190+ countries across financial services, government, gaming, healthcare, telecom, and e-commerce, Socure’s customer base includes the top five U.S. banks, four of the Mag 7, the largest HR payroll and workforce providers, four of the five largest U.S. crypto exchanges, the largest sportsbook and prediction market operators, 160 organizations across the public sector, and more than 600 fintechs.
Leading organizations trust Socure to deliver certainty in identity across onboarding, authentication, payments, account changes, and regulatory compliance. Learn more at www.socure.com.
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