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How to configure email verification for your users
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A digital lender launching a consumer loan product found that a portion of early sign-ups used invalid or disposable email addresses, making it impossible to reach those users for repayment reminders or OTP messages. By enabling email verification at the point of onboarding, the lender ensured that every borrower on their platform had a confirmed, working email address before they could proceed.
Email verification is one of the foundational onboarding controls Lendsqr gives lenders. When enabled, borrowers must verify their email address before they can access your platform, confirming their identity, ensuring you have accurate contact details for communications, and reducing the risk of fraudulent or throwaway accounts.
This article explains what email verification does on the Lendsqr admin console, what the borrower experiences when it is enabled, and walks you through exactly how to turn it on from the admin console.
What email verification does
Here’s how the email verification works when enabled on the platform:
When a new borrower signs up via the mobile or web app, they must verify their official email address before their loan can proceed. This step is mainly used by lenders to confirm employment and prevent fraud, especially for salary-backed loans.
The borrower receives a verification email immediately after signing up, containing a link they must click to complete verification.
The borrower is effectively blocked from applying for or moving forward with a loan until they verify their email. The loan status stays at “pending” until verification is done, and the lender cannot approve or decline the loan before that.
Email verification addresses a specific vulnerability in digital lending: the ease with which someone can create an account using an email address they do not own or control.
Without verification, a borrower could sign up with a misspelled email, a temporary address, or someone else’s address entirely. This makes it harder to send OTP messages for login, reach borrowers about upcoming repayments, or communicate about loan status changes. Enabling this setting ensures that every borrower who progresses to a loan application has access to a working email inbox, which in turn supports your communication strategy and reduces the risk of unreachable borrowers.
How to enable email verification
Follow these steps from the Lendsqr admin console. You will need admin access to System configurations to complete this.
Click the settings (gear) icon at the top of the page, then under “Platform“, select “System Configuration“.
Choose the “System” category, then use its search box to find “Email Verification” rather than scrolling or paging through the full list.
Click the toggle next to “Require Email Verification” to turn it on. The change applies immediately; there is no separate Save step.
A related setting, “Verify Email Rate Limit”, controls how many verification requests a caller can make in a given time window. It is shown as “Configured” rather than a toggle, since it takes a JSON value rather than an on/off switch, and is best left to Lendsqr support unless you specifically need to change the rate limit.
How to disable email verification
If you need to turn email verification off, follow the same steps above and click the toggle again to switch it off.
