Run AFP 100-point identity checks on document packs

This skill runs an AFP 100-point or AUSTRAC safe-harbour identity check over a document set - passport, driver's licence, medicare card, bank statement, utility bill, and similar - reporting the points attained, per-document status, and exactly what's missing so onboarding can request only the absent documents and re-run.

Use it when onboarding employees, tenants, contractors, or customers in Australia under an AFP 100-point or AUSTRAC safe-harbour KYC requirement, or to answer "do these documents satisfy the 100-point check?" It answers who this is, not whether the document is genuine - a forged passport that matches the name still scores points, so pair it with the verify-document skill for authenticity first. Never treat a passing score as a legal KYC/AML determination on its own; a qualified human reviewer stays responsible for the onboarding decision.

Input is multiple document files or URLs plus a chosen scheme, afp_100_point or austrac_safe_harbour:

curl -X POST "https://www.stipple.sh/v1/identity-check?scheme=afp_100_point" \
  -F "files=@passport.pdf" \
  -F "files=@medicare-card.jpg" \
  -F "files=@bank-statement.pdf" \
  -H "Authorization: Bearer $STIPPLE_API_KEY"

Output is a status of complete, incomplete, or failed; a points_total against the scheme's threshold; a per-document checks list with the detected type and point value; and a missing list naming exactly what evidence is still required. That gap list is the point of the report, since it lets onboarding loop on just the absent documents instead of re-collecting everything.

The Stipple API, on a free anonymous tier or a free key for higher metering, performs the check and assigns point values per document type - for example, a passport, citizenship certificate, or birth certificate at 70 points, a driver's licence at 40, and a medicare card, bank statement, utility bill, or council rates notice at 25 each. Each check costs 2 credits against the free weekly allowance. The check only maps documents to the chosen scheme and reports gaps - it does not itself verify that any of the documents are authentic, which is what the verify-document skill is for.

Onboarding, HR, and compliance teams in Australia running AFP 100-point or AUSTRAC safe-harbour identity checks, who need a clean, actionable gap list rather than a bare pass or fail with no explanation of what to fix, so the onboarding flow can loop on exactly what's absent instead of re-collecting a whole document set.