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Breaking the Document Barrier:
How Magie Dropped Manual Reviews from 40% to 2% with Unico. | |
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"In the beginning, opening an account could take days. People would literally forget about us. With Unico, the user doesn't even realize they've left WhatsApp - it’s three seconds, and they’re in."
— João Camargo, CPO & Founder of Magie
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The Context: A Bank Without an App
Magie is a trailblazing digital bank operating entirely within WhatsApp. By eliminating the need to download a separate app, Magie offers friction-free banking. However, their original onboarding process—based on document photos—was creating a wall between the user and the service.
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The Challenge: The Document Bottleneck
Operating inside a messaging app presented a unique "Friction Paradox":
> The Problem: Document photos were often blurry, incomplete, or low-resolution, forcing 40% of all sign-ups into manual review.
> The Cost: Verification took days, causing massive user drop-off.
> The Risk: Document-only verification was vulnerable to identity theft; anyone with a stolen ID photo could attempt to open an account.
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The Solution: Deterministic Biometric Orchestration
Magie replaced document uploads with Unico’s Facial Biometrics, shifting from a "probabilistic" model to a "deterministic" certainty.
The Implementation Blueprint:
> Seamless Redirection: Users receive a secure link in WhatsApp that opens Unico’s capture tool. The process is so fast (<3s) that users feel they never left the chat.
> Deterministic Validation: Unlike "score-based" competitors, Unico provides a binary Yes/No answer by cross-referencing the face against the largest biometric database in Brazil.
> Multi-Vendor Liveness: A sophisticated "Proof of Life" orchestration that uses multiple providers to ensure the user is present, preventing fraud via photos or videos.
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[Logic Flow]
User enters CPF in WhatsApp → Unico Biometric Link → Real-time Face Match + Liveness → Account Opened (Total Time: <1 min)
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The Horizon: The Future of "Appless" Finance
Magie and Unico have proven that you don't need a heavy app to have heavy-duty security. As Magie prepared for the Super Bots Experience 2025, they stand as the gold standard for how biometrics can turn a messaging app into a secure, global-scale financial institution.
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ABOUT UNICO:
Unico is the world's largest identity verification network and a bond of trust in the digital society. With solutions based on facial biometrics, machine learning, and reinforced security layers, Unico validates with 100% certainty who is performing a transaction and the associated identity risks. In this way, it fights fraud, protects data, and promotes trust between people, companies, and governments, contributing to the construction of a safer and less bureaucratic world. Globally renowned funds such as SoftBank, General Atlantic, and Goldman Sachs trust and invest in Unico. Learn more at www.unico.io.
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