Skip to main content

Adult Check

Required Scope: person-adult-check

The Adult Check analysis evaluates whether the available financial data provide sufficiently strong evidence that a person is likely to be an adult. The result is a probabilistic business assessment and not a legally binding age verification.

Decision Types​

The analysis returns one of three possible decisions:

  • ADULT — the available data indicate that the person is likely to be an adult
  • NOT_ADULT — the available data indicate that the person is likely not an adult
  • UNKNOWN — the available data did not provide sufficient evidence for a confident determination

Indicator Overview​

Indicators are derived from the following sources:

Very strong indicators

  • CAR_INSURANCE — car-related insurance contract
  • CONSUMER_CREDIT — consumer credit contract
  • GAMBLING — gambling-related transactions
  • CREDIT_CARD_BILLING — credit card billing contract
  • STABLE_FULL_TIME_INCOME — regular salary of at least 1,680 € across 3 or more consecutive months
  • HIGH_RENT — rental apartment contract with an amount of 900 € or more
  • PROPERTY_OWNERSHIP_COST — condo fee or leasehold duties indicating property ownership
  • CAR_SHARING_USAGE — car sharing transactions (requires minimum age of 18)
  • ADULT_ACCOUNT_METADATA — account product name classified by the bank as an adult account

Strong indicators

  • MOBILE_PHONE_CONTRACT — mobile phone contract
  • LEASING_CONTRACT — leasing contract
  • LIABILITY_INSURANCE — liability insurance contract
  • HOUSEHOLD_INSURANCE — household contents insurance contract
  • LEGAL_PROTECTION_INSURANCE — legal protection insurance contract

Medium indicators

  • LOW_RENT — rental apartment contract with an amount below 450 €
  • STREAMING_SUBSCRIPTION — streaming or media subscription contract
  • SECURITIES_TRADING — securities or capital assets contract

Negative indicators

  • PARENTAL_TRANSFER_PATTERN — regular small incoming transfers suggesting parental financial support
  • LOW_INCOME_PATTERN — regular salary contract with an amount below 1,000 €
  • CASH_DEPENDENT_ACCOUNT — cash-dominant transaction behaviour with no digital payment activity
  • STUDENT_APPRENTICE_TAGS — apprenticeship salary transactions
  • HOUSEHOLD_LEISURE_DOMINANT_SPENDING — spending dominated by household and leisure with low financial complexity
  • LOW_TRANSACTION_VOLUME — average non-ATM transactions per month below 10
  • YOUTH_ACCOUNT_METADATA — account product name classified by the bank as an under-18 account

Each indicator appears at most once in the response. Where multiple transactions support the same indicator, their IDs are merged under a single entry.

Observation Period​

The analysis applies an asymmetric time window:

  • Positive indicators use the full available account history, since adulthood is considered permanent once established. A car insurance from several years ago, for example, remains valid evidence.
  • Negative indicators are restricted to the last 13 months relative to the analysis timestamp. This prevents outdated signals — such as old apprenticeship income — from distorting the current assessment.

The applied observation period is returned in the response via observedTimespan:

  • observedTimespan.since — the earliest booking date found across all contracts and accounts. Reflects how far back the data actually reaches. Falls back to 13 months before the analysis timestamp when no data is present.
  • observedTimespan.until — the analysis timestamp.