identy.io

Biometrics, the key to secure open finance implementation

Rodrigo Ramos — Thu, 28 May 2026 14:30:49 +0000

Open finance represents one of the most significant transformations in the financial industry in recent years. This model enables users to share their financial data, as well as information from other domains such as insurance, investments, or pensions, with various entities including banks, fintechs, and insurers, always with their explicit consent. Unlike the traditional system, where each bank operated within closed data silos, this approach paves the way for a more competitive, transparent, and user-centric ecosystem.

In Latin America, the development of open finance is progressing rapidly, although at different speeds across countries. Brazil stands out as the leading benchmark, with a fully operational system driven by its central bank that has evolved from open banking into a broader and more integrated framework. Unlike other markets, Brazil combines strong regulation with real adoption by both users and businesses, making it the most advanced case in the region. According to the Banco Central do Brasil, between 2021 and 2025 the open finance infrastructure enabled R$31 billion in credit operations that relied on data sharing, and the ecosystem reached 128 million active data-sharing consents. Financial inclusion rates have climbed to 82% of adults, up from 70% in 2020, according to the BCB’s 2025 Responsible and Inclusive System Report.

Mexico, meanwhile, was a pioneer with the approval of its Fintech Law in 2018, which laid the groundwork for open finance. However, despite having a defined legal framework, implementation has been partial and uneven. Cash usage remains widespread, although the 2024 National Financial Inclusion Survey, ENIF, reported an increase in financial product ownership, such as savings or credit accounts, to 77 percent of the adult population, up from 68 percent in 2021. In Peru, the proposal has been introduced more recently and remains under development. Its main objective is to expand access to the financial system, as approximately 30 percent of Peruvian adults lack any formal financial service, and only about 33 percent have access to credit.

The security challenge in open finance

While open finance offers significant benefits, it also involves the handling of highly sensitive user data. One of its key challenges is ensuring that the individual granting access is indeed the rightful data owner. Only under this condition can the system be secure, reliable, and user-friendly. In this context, biometrics is emerging as the most robust method for user identification, outperforming traditional approaches such as passwords or one-time passcodes, particularly in the era of deepfakes. This obligation is increasingly regulatory, not just operational. Brazil’s LGPD mandates strict data protection in any consent-based data sharing. Mexico’s CNBV has embedded digital identity requirements into open banking provisions under its Fintech Law. And FATF Recommendation 10 on customer due diligence requires financial institutions to verify customer identity using reliable, independent sources — a standard biometric verification is purpose-built to meet.

In recent years, deepfakes have advanced considerably due to improvements in hardware, access to large datasets, and increasingly sophisticated models. In this environment, solutions such as those offered by Identy.io, featuring multimodal biometrics with passive liveness detection, combine multiple biometric factors, including face and fingerprint, with artificial intelligence to enable secure and seamless identity verification. Passive liveness runs silently in the background — no blinking prompts, no head turns, no user friction. The system confirms that the person presenting their biometric is real, live, and present before any data access is granted.

Secure mobile-first biometrics as the scalable solution

Identy.io’s mobile-first approach is designed from the ground up to operate autonomously in mobile environments. This allows banks, fintechs, and digital platforms to integrate its capabilities easily through an SDK, without increasing operational costs or requiring additional hardware. Its verification system runs directly on the user’s device and provides an intuitive and user-friendly experience. Moreover, the process is fully touchless and requires only a smartphone’s standard camera and flash, even on low-end devices.

Unlike many alternatives on the market, by default, Identy.io process and stores biometric data on the user’s device itself, with no need to transmit sensitive information to cloud servers. This reduces the risk of data breaches or unauthorized access and also enables reliable operation in remote areas with limited connectivity.

Finally, to operate within the open finance ecosystem, Identy.io complies with the highest security standards, including those established by the U.S. National Institute of Standards and Technology, NIST. It supports eKYC, Know Your Customer, processes and AML, Anti-Money Laundering, frameworks, and adheres to the ISO/IEC 30107-3 standard for Presentation Attack Detection. Identy.io’s Face SDK holds independent certification at Level 2 — the highest available — tested and verified by iBeta Quality Assurance against silicone masks, 3D-printed faces, latex masks, and AI-generated deepfakes, with zero false acceptances across 1,500 attempted attacks (October 2025). The Finger SDK is separately certified at ISO/IEC 30107-3 Levels A and B. Together, these certifications ensure that the passive liveness detection underpinning every open finance interaction is independently validated, not self-declared.

Open finance without strong identity verification is an open door to fraud. The combination of passive liveness detection, on-device processing, and independently certified anti-spoofing gives financial institutions a way to meet their regulatory obligations — LGPD, FATF, CNBV — without adding friction that drives users away. As LATAM markets continue to expand access and digital onboarding volumes grow, the margin for identity errors shrinks. Want to see how passive liveness detection integrates into your open finance stack? Request a technical demo and we’ll walk you through the SDK in your environment.

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Identity Verification Anti-Deepfake Solution

Antony Vendhan — Thu, 28 May 2026 13:19:56 +0000

Remote identity proofing now relies on document capture, selfie verification, and automated face comparison at scale. Traditional KYC and basic face matching were built to confirm likeness and document evidence, not to prove that a camera stream is genuine or that submitted media has not been synthetically altered. NIST now warns that remote proofing is vulnerable to digital injection and forged media, and explicitly notes that biometric comparison alone does not prevent these attacks. At the same time, UK government research points to growing demand for deepfake controls in identity fraud, account takeover, and synthetic identity fraud across financial services. That is why an identity verification anti-deepfake solution has moved from security feature to operating requirement.

Detect Deepfakes before they become a Threat

Deepfakes are becoming more sophisticated, increasing the risk of fraud and identity manipulation in digital environments. Download our 10-step guide to learn how to detect threats early and protect your organization with proven best practices.

How modern attacks break weak onboarding stacks

ENISA identifies photo attacks, video replay, 3D masks, and deepfake attacks as major risks in remote identity proofing. NIST materials on injection methods add another uncomfortable truth: attackers can use virtual cameras, device emulators, function hooking, or man-in-the-middle replacement of the camera feed so the verifier receives manipulated media that appears to come from a real sensor. Once that happens, identity spoofing becomes scalable. The attack no longer targets only the matcher; it targets the media pipeline itself.

What separates a robust anti-deepfake solution

A credible solution combines deepfake detection for identity verification with biometric liveness detection, presentation attack detection aligned with ISO/IEC 30107-3, and explicit resistance to injection attacks. Under the ISO PAD framework, the meaningful questions are whether attack presentations are wrongly accepted and bona fide users are wrongly rejected, rather than whether a vendor claims “high AI accuracy.” In practice, face liveness detection software should be independently tested, operate during the proofing session, and resist both presentation attacks in front of the camera and digitally injected media behind it. NIST’s latest guidance also expects controls that raise confidence the media is coming from a genuine sensor, including checks for virtual cameras, emulators, and jailbroken devices.

Experience Identy.io in action

Get a tailored demo of our contactless biometric platform and see how it fits your specific use case.

Passive assurance, active challenge when risk is higher

ENISA distinguishes passive and active liveness. Passive controls require no user action and analyze involuntary cues or deepfake artefacts, while active controls introduce randomized movements or interactions to make replay and low-complexity spoofing harder. For conversion-sensitive fintech onboarding, that trade-off matters. Passive checks are usually the better default because they reduce friction.

Architecture and privacy decide whether security scales

Detection quality is only half the decision. High-volume onboarding flows also need low latency, predictable operating cost, and a privacy model that can withstand regulatory review. Official UK guidance states that biometric data used to uniquely identify someone is special category data, which means organizations need a lawful basis, a specific condition for processing, and heightened safeguards. The European Data Protection Board also stresses that privacy by design is mandatory and has said that biometric storage models are most defensible when the data stays in the hands of the individual, or when only the individual controls the key. That makes on-device processing strategically attractive: it can reduce server dependency, limit data exposure, and lower infrastructure costs at the same time.

The strategic takeaway for fintech, banking, and government

An identity verification anti-deepfake solution is no longer defined only by detection accuracy. The real differentiator lies in how effectively it integrates security, scalability, and user experience into a single operational model.

This is where platforms like Identy.io illustrate the direction the industry is moving toward.

By combining AI-based identity verification security with on-device biometric processing, Identy addresses several structural challenges in modern identity systems:

Reduced attack surface: Processing biometric data directly on the user’s device minimizes exposure to injection attacks, server breaches, and man-in-the-middle manipulation.
Real-time deepfake and liveness detection: Integrated biometric liveness detection and face liveness detection software operate during the capture process, enabling immediate detection of presentation and injection attacks without relying on post-processing.
Lower latency and higher conversion: Eliminating server-side dependencies reduces delays in onboarding flows, directly impacting user completion rates in fintech and digital services.
Scalable infrastructure: A serverless architecture removes the need for heavy backend processing, allowing organizations to scale identity verification without proportional increases in infrastructure cost.
Privacy-by-design compliance: Keeping biometric data on-device aligns with GDPR principles and reduces regulatory exposure, particularly when handling sensitive biometric identifiers.

Aligned with standards such as ISO/IEC 30107-3, NIST Digital Identity Guidelines, and FIDO frameworks, this approach reflects a broader shift: identity verification systems must now secure not only the identity itself, but the integrity of the entire capture and processing pipeline.

For decision-makers, the implication is clear. The question is no longer whether to implement deepfake detection for identity verification, but how to deploy it in a way that preserves user experience, ensures compliance, and scales sustainably.

Experience Identy.io in action

Get a tailored demo of our contactless biometric platform and see how it fits your specific use case.

Bibliography

NIST – https://www.nist.gov
ENISA – https://www.enisa.europa.eu
European Data Protection Board – https://www.edpb.europa.eu
ICO – https://ico.org.uk
FIDO Alliance – https://fidoalliance.org

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Artificial Intelligence, cause and response to digital identity theft fraud

Rodrigo Ramos — Thu, 14 May 2026 10:35:19 +0000

Over the last few years, Artificial Intelligence has become one of the most recognized and widely used technologies, not only by end users, but also by companies around the world. Its ability to quickly solve complex problems and automate tasks has put this technology in the spotlight, to such an extent that consulting firms such as McKinsey, in their report “State of AI in 2025,” already point out that 88% of companies use Artificial Intelligence in at least one function of their business.

However, the unstoppable advance of this technology has also attracted the attention of cybercriminals, who have found in it a way to carry out increasingly sophisticated and complicated attempts at impersonation and identity theft, which has a significant economic impact on their victims, but also on public and private entities. In fact, Deloitte’s projections indicate that fraud caused by artificial intelligence will have an impact of more than $40 billion worldwide by 2027, a figure that reveals its importance to the global economy.

From fraud using masks and photos to deepfakes

How is AI used to carry out these frauds and identity thefts? Until now, criminals have used what are known as presentation attacks, in which they use a high-definition printed photograph, a silicone mold to replicate the victim’s fingerprint with great precision, or simply a mask to try to bypass security filters. However, the emergence of AI has also led to the appearance of what are known as deepfakes, digitally generated biometric forgeries that emulate facial features or voices with great realism.

Deep neural networks are used to create these digital doubles with the aim of circumventing any protective measures. According to the “Human Detection of Deepfakes: An Investigation of Confidence and Accuracy” report, the human eye is only capable of detecting 24.5% of deepfakes, which means that seven out of ten go unnoticed. Not even processes in which identity verification is carried out via video calls are safe, due to AI’s ability to inject these deepfakes into real-time video streams, for example.

Technology has become so sophisticated that images generated by this technology are capable of blinking or performing predefined movements, so that even detection by liveness verification systems—that is, systems used by many entities in their onboarding process to verify that the user is real by asking them to move their head in a certain direction or blink in a specific way—does not offer excessive guarantees. And the consequences could have a far-reaching impact, allowing the opening of fraudulent bank accounts, unauthorized transactions, withdrawals from retirement funds, or the acquisition of medical treatments that belong to another user.

One high-profile example: in early 2024, a finance employee at a Hong Kong-based firm was deceived by a deepfake video call impersonating her head of finance and several colleagues, leading her to authorize a transfer of $25 million USD to fraudsters. Real-world example grounds the threat in a concrete, verifiable incident. The Hong Kong deepfake fraud (5M, January 2024) was widely covered by Reuters, BBC, and financial press. Concrete cases land harder with a banking audience than abstract descriptions.

AI as part of the solution to deepfakes and identity theft

While the technology used by criminals has evolved rapidly, so too has the technology used by entities such as Identy.io to prevent theft and identity theft. One of the most important in this regard is passive liveness detection, a solution designed specifically to detect cases in which a third party is attempting to breach the security systems implemented by a public or private entity and use this identity fraud for fraudulent purposes.

How does passive liveness testing work? This technology does not require the user to interact directly with the system. In other words, it does not need the user to perform movements predefined by the system in order to differentiate between a real user and a digital double. The passive variant runs in the background, attempting to detect signs of life in a single frame or video sequence, using AI models trained to detect nuances in skin texture, lighting, facial micro-movements, or natural responses in the user.

So, is it necessary to do away with systems that use fingerprints as the sole security measure? No. The truth is that fingerprint biometrics is recognized as a reliable form of authentication, although with the evolution of technology, it is increasingly common to find multimodal or multi-factor forms of authentication, in which passive liveness testing using facial features becomes an additional layer of security against fraud. This is especially true considering that many modern fingerprint sensors already incorporate their own liveness tests, detecting sweat on the skin or pulse, for example.

The technology developed by Identy.io, in addition to featuring the latest advances in passive liveness detection, has the advantage of processing all of the user’s personal and biometric information directly on their mobile device, thus avoiding the need for expensive biometric scanners and trips to their locations. With just a mobile phone equipped with a simple camera and flash, the system is able to detect the user’s fingerprints or face, carry out the necessary passive life sign checks, and store the user’s personal information on the same mobile phone, under the highest encryption standards, completely safe from possible attacks or identity theft.

Identy.io’s passive liveness detection has been independently certified to NIST ISO 30107-3 Level 2 — the industry’s most rigorous Presentation Attack Detection standard — achieving a perfect score. This certification is particularly relevant for banking and fintech institutions that must demonstrate compliance with increasingly stringent KYC and AML regulations, and for telecom operators facing SIM swap fraud and subscriber identity verification at onboarding.

As we can see, at a time when artificial intelligence has become an ever-evolving threat, the same technology also becomes a guarantee that the user’s personal data will be properly protected and safe from the use of deepfakes or digital doubles.

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How biometrics guarantees access to digital health and the correct dispensing of medications

Andrés Alvargonzález — Thu, 23 Apr 2026 11:49:41 +0000

The digitization that the healthcare sector is undergoing, through the integration of different digital technologies in areas such as prevention or the treatment and monitoring of diseases, represents one of the biggest changes that this industry has undergone in recent years. This innovation has transformed the way patients and medical staff interact with the system.

One of the pillars of this transformation is the electronic health record, which allows medical information to be stored and shared securely and efficiently. Thanks to this, different professionals can access the same file in real time, reducing and improving continuity of care. Telemedicine is another key element. Through video calls, digital platforms, and mobile applications, patients can consult with specialists without having to travel. Telemedicine not only significantly improves access to medical care in rural areas, but also optimizes the system’s time and resources.

However, access to these resources is not equal for all countries and their different regions, which often face territorial inequalities and budgetary constraints. Thus, the focus is not always on implementing highly advanced technologies, but rather on strengthening basic infrastructure and expanding coverage to ensure that all citizens can benefit, regardless of their place of residence or socioeconomic status.

How to ensure secure access to digital health

In turn, digital health handles a person’s most sensitive data, such as medical records, diagnoses, and prescription medications. Protecting this information is therefore essential to ensure patient privacy and ensure that only the right people have access to this critical information. In this context, biometrics is positioned as the solution that guarantees security, unlike passwords or single-use codes, as it allows a person’s identity to be linked to unique and non-transferable physical characteristics. In this context, thanks to biometric recognition of the user’s face, fingerprints or palm using passive liveness technology, the Identy.io platform is able to identify the user in a way that is virtually impossible to falsify, even detecting the use of 3D masks or deepfakes created using artificial intelligence.

The innovative contactless biometric verification solutions from Identy.io can be integrated directly into the patient’s mobile phone, facilitating secure access to health portals, official applications, and remote care systems. Through their device, users can quickly and easily authenticate themselves using their own biometrics, creating a unique link between their identity and their digital medical record. The solution’s intuitive interface and simple operation make it accessible even to older people or those without digital training, which is especially important for promoting the inclusion of these population groups and ensuring their access to social and health services.

Biometrics as a guarantee of correct medication dispensing

Biometrics not only protects secure access to platforms and clinical data, but is also a key pillar in ensuring the correct dispensing of medications, which is a real critical point in the care chain. Biometric authentication at the point of dispensing allows verification that the person collecting the medication is actually the prescription holder, reducing fraud and duplication. In addition, biometrics strengthens traceability and therapeutic continuity because, by uniquely linking the patient to their clinical history, duplicate delivery of medications and dosing errors are avoided.

Unlike traditional systems that require patients to travel to kiosks with specialized biometric scanners, Identy.io’s contactless biometric verification solutions are mobile-first, so they integrate seamlessly with patients’ mobile devices. This allows them to present their credentials at dispensaries when picking up medications and ensure they are receiving the correct treatment, even if they share the same first and last names as another patient. This is because the device generates a unique and non-transferable token that links each prescription to its patient.

Integration with healthcare systems is designed to align with local regulatory frameworks. In Brazil, this includes compatibility with LGPD (Lei Geral de Proteção de Dados) data governance requirements and ANVISA guidelines for digital health tools. In Mexico, Identy.io’s on-device processing model supports compliance with COFEPRIS regulations and INAI’s position that biometric data must be treated as sensitive personal data. Healthcare institutions should validate integration pathways with their compliance teams prior to deployment.

Reducing inequality in access to digital health and medicines

The inequality generated by the digital divide means that many communities that lack stable internet access have very limited or no access at all to digital services for accessing healthcare. For example, in 2025, Brazil had approximately 29.2 million people without internet access, limiting the participation of a significant percentage of the population in digital healthcare services. A similar situation is seen in countries such as Mexico, Colombia, and Peru, where disparities between urban and rural areas are evident, with the latter sometimes facing poor technological infrastructure and limited or non-existent connectivity.

In response to this, and acting as a social shield to ensure that all citizens have an identity and can securely access health services and their medications, the solutions offered by Identy.io are designed to work without requiring an internet connection and on virtually all mobile phones on the market, even low-end ones. This helps democratize access to secure biometric verification for the entire population, regardless of the region in which they live, their technological knowledge, or their economic status.

This is possible because the system is designed to process all critical identity data locally on the user’s cell phone, using a model with a basic camera and flash. This in turn increases security and reduces infrastructure costs, as data is not sent to the cloud and no specialized infrastructure such as biometric scanners is required. Additionally, Identy.io’s touchless biometric identification solutions meet the NIST (National Institute of Standards and Technology) digital identity management strategic guidelines by supporting eKYC (Electronic Know Your Client) processes and patient data protection requirements under frameworks such as LGPD (Brazil), LFPDPPP (Mexico), and Habeas Data (Colombia).

At a time when the healthcare industry is being transformed by digitalization, including biometric verification solutions protects users’ sensitive data and ensures the correct dispensing of medications. At the same time, innovative solutions from Identy.io help reduce the digital divide thanks to their ability to operate without an internet connection, on any device, even low-end ones, using only a camera and flash.

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Best ABIS software: how to choose an automated biometric identification system for large identity databases

Rodrigo Ramos — Mon, 20 Apr 2026 14:14:16 +0000

The “best ABIS” is the one that makes identity decisions dependable when volume explodes: national registries, border systems, and digital onboarding funnels that must screen users in seconds. An automated biometric identification system supports both verification (1:1) and identification (1:N) by storing and matching biometric data at operational speed.

Detect Deepfakes before they become a Threat

What is ABIS?

Government and defense programs describe ABIS in consistent terms: a system that ingests biometric submissions, stores records, searches for matches, and supports high transaction rates and watchlist-style workflows.

For decision makers, that means the ABIS is not “just a matcher.” It is biometric identification system software that must be governed like critical infrastructure: performance you can measure, failure modes you can recover from, and evidence you can defend in audits.

ABIS Biometrics: scaling 1:N identification and throughput

1:N is where scale punishes weak design. Guidance on large-scale identity systems explains that identification error behavior depends on database size and that growing N can increase false candidates, driving manual adjudication costs unless quality controls and operating thresholds are engineered up front.

Operational ABIS deployments frequently manage this risk by returning a shortlist (not a single “yes/no”), with policies defining when expert review is required. Estonia’s ABIS documentation describes 1:1 verification and “one-on-multiple” identification that returns similar candidates for expert decisioning.

Independent testing reduces procurement risk. NIST runs evaluations such as FRVT, including 1:N identification testing, enabling buyers to compare accuracy trade-offs across operating points using consistent datasets and protocols.

Experience Identy.io in action

Get a tailored demo of our contactless biometric platform and see how it fits your specific use case.

Architecture and cost: centralized, edge, and on-device

ABIS architecture is a business lever. Centralized matching supports large watchlists and national registries; edge and mobile capabilities can reduce latency, avoid network bottlenecks, and improve continuity during outages or low-connectivity operations. ISO/IEC guidance on mobile biometrics emphasizes local biometric identity verification and end-to-end performance testing for full systems embedded in mobile devices.

The hybrid pattern that is becoming common

Many large programs land on hybrid designs: on-device capture validation and privacy-preserving pre-processing, paired with centralized 1:N matching when needed. Identy.io is one example of a large-scale biometric identification platform designed for both 1:1 verification and 1:N identification, and it describes an on-device, privacy-first architecture. Identy.io is also listed in the FIDO Alliance member directory; the alliance states that FIDO standards use standard public-key cryptography techniques to provide phishing-resistant authentication.

Standards, interoperability, and measurable accuracy

Interoperability determines total cost of ownership. When ABIS must connect to legacy registries, border systems, and KYC stacks, standards reduce friction and re-enrollment risk. International Organization for Standardization standards define how to test biometric performance and throughput (ISO/IEC 19795-1), how to exchange biometric data (ISO/IEC 19794 series), and how to package biometric information records through CBEFF (ISO/IEC 19785-1). NIST also publishes background on CBEFF descriptive data, designed to reveal record format and attributes without exposing the biometric data itself.

Security, fraud prevention, and privacy readiness

A “best ABIS” assumes adversarial conditions: spoofing at capture, injection into enrollment flows, and attempts to create duplicate identities. ISO/IEC 30107-1 provides a framework for presentation attack detection, and NIST biometrics collection guidance addresses controls against impersonation and spoofing.

Privacy is non-negotiable. Under European Union GDPR, biometric data used for unique identification is special-category personal data with strict conditions for processing, and NIST guidance stresses consent and privacy controls around biometric collection and use.

Choosing the best ABIS is choosing what you will scale: exceptions, or certainty. Prioritize systems that keep latency predictable at peak volume, publish measurable performance, and use standards-based interoperability so you are not forced into costly re-enrollment when systems evolve.

Experience Identy.io in action

Get a tailored demo of our contactless biometric platform and see how it fits your specific use case.

Bibliography

- World Bank. A Primer on Biometrics for ID Systems.
- NIST. Face Recognition Vendor Test (FRVT). https://www.nist.gov/programs-projects/face-recognition-vendor-test-frvt
- ISO/IEC 19795-1 and ISO/IEC 19794 series (performance testing; data interchange formats). https://www.iso.org/standard/73515.html
- Regulation (EU) 2016/679 (GDPR), Article 9. https://eur-lex.europa.eu/legal-content/EN/TXT/HTML/?uri=CELEX%3A02016R0679-20160504

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Identy.io to Join Global Border Officials at the World Border Security Congress, April 14-16, 2026

Andrés Alvargonzález — Thu, 16 Apr 2026 08:47:02 +0000

CEO Jesus Aragón to present on the importance of rapid mobile biometric binding for border security

DOVER, DE (April 7, 2026) – Identy.io, a leader in biometric identification, today announced it will be attending the World Border Security Congress on April 14-16, 2026, in Vienna, Austria.

The conference brings together senior border officials from around the world to discuss and debate current and future policies, implementation issues and developing technologies that contribute towards safe and secure border and migration management.

On April 15 at 2:00 p.m. CEST, Jesus Aragón, CEO and Co-Founder of Identy.io, will present a technology workshop titled “The Importance of Rapid Mobile Biometric and Biometric Binding for Modern Border Security.” During the session, Aragón will discuss how biometric binding is solving critical challenges at the border by linking travelers’ live biometric captures to identity documents early in the visa application process.

“Identity fraud at the border is becoming a major problem. Authentication techniques have shifted from physical to digital, and bad actors are exploiting this gap. By submitting legitimate documents during the application process, then digitally swapping identities at the point of entry, they can evade detection,” said Jesus Aragón, CEO and co-founder of Identy.io. “Rapid, reliable identification at border crossings is now mission essential. Mobile biometrics allow agents to instantly capture and verify faces, fingerprints or irises against central systems, strengthening security and speeding up processing.”

Biometric binding is achieved by cryptographically linking live facial and fingerprint captures to an individual’s identity documents during the initial visa application process. This creates an immutable connection between the applicant and their credentials, enabling border officials to verify that the arriving traveler is the identical individual who submitted the application.

Identy.io currently deploys its NIST- and ISO 30107-3 liveness-compliant biometrics binding technology at airports expected to process millions of passengers in 2026. Integrating with existing border infrastructure, the mobile-first architecture requires only a standard smartphone camera, eliminating capital expenditure on specialized kiosks or fingerprint scanners.

All biometric processing occurs on-device, with no requirement to send biometrics data to the cloud, processing and reducing exposure to data breaches while protecting end-user privacy.

“We’re already implementing our technology in ways that improve efficiency and reduce fraud. By embedding our solution into existing e-gates and immigration systems, officers can easily verify someone’s identity in real time,” said Aragón. “Since it’s used before a traveler even boards a flight, agents can flag fraudulent or stolen documents before it’s too late. That creates fewer bottlenecks, faster processing and stronger overall security for travelers putting their trust in officers and agencies.”Identy.io recently became the only system to achieve zero attack acceptance in the Department of Homeland Security’s Remote Identity Validation Rally (DHS RIVR) face liveness evaluation, while recording the fastest transaction times and highest end-user satisfaction in the Active PAD evaluation.

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Biometrics as a key ally in the fight against human trafficking

Andrés Alvargonzález — Thu, 09 Apr 2026 15:15:45 +0000

Human trafficking continues to be among the most serious and complex human rights violations worldwide. It is a silent, highly organized crime that is difficult to detect, relying on the vulnerability of victims and the manipulation of their identity to facilitate their recruitment, transfer, and exploitation. In this context, biometric technology has established itself as an essential tool to prevent these crimes, accelerate the identification of victims, and support their rescue.

Identity as a key element in human trafficking

Despite institutional and social efforts, human trafficking remains a largely invisible phenomenon. A significant portion of cases is never formally reported, whether due to fear, coercion, or lack of access to effective protection mechanisms, which consequently hinders the actions of authorities and allows criminal networks to continue operating with relative impunity. In addition, the main victims of trafficking are often women, children, and people in situations of particular vulnerability, which, combined with contexts of poverty or irregular migration, creates a complex environment that criminals exploit.

This is why one of the fundamental pillars sustaining human trafficking is the manipulation of identity. From the first contact to the exploitation phase, criminals systematically resort to the falsification, alteration, or suppression of victims’ identities, as the use of forged documents or documents belonging to third parties allows criminal networks to move victims between cities and even countries, making them difficult to track. Considering this, social networks, dating applications, and other digital environments have become one of the main sources of information for traffickers, as the lack of robust and reliable identity verification processes facilitates impersonation and access to personal data that are later used for recruitment and blackmail.

Biometrics as a new standard of security and protection

Identification systems based exclusively on physical documents are insufficient in the face of increasingly sophisticated criminal organizations. These documents can be stolen, forged, or manipulated with relative ease, especially in contexts of cross-border mobility, making it essential to adopt technologies capable of verifying unequivocally a person’s identity, regardless of the documentation they carry or its location.

Biometric solutions are based on the capture of unique and immutable physical characteristics (such as fingerprints or facial features) to reliably identify a person. Unlike traditional documents, these credentials cannot be lent, stolen, or easily falsified, positioning biometric authentication solutions as a widely adopted global security standard, with a direct impact on the prevention and detection of crimes such as human trafficking. Thus, the generation of biometric digital credentials provides a reliable identity backup in cases of disappearance or suspected trafficking, as they can be matched within seconds by law enforcement authorities at border controls, airports, banking institutions, or reception centers.

Biometrics does not only act once the crime has already occurred. Its true potential lies in prevention, limiting the recruitment of victims through digital services with robust verification and preventing unauthorized movements in financial or administrative environments. Even when a person has been displaced or their identity has been altered, biometric systems allow for identification during routine checks, generating automatic alerts that accelerate the response of authorities. Thanks to the existence of these biometric databases and the ability to perform reliable real-time matching, it is possible to identify victims even years after their disappearance.

How does Identy.io’s biometric technology help combat human trafficking?

Identy.io has developed biometric identification solutions designed to operate in any context and location, even in environments with technical or connectivity limitations, where the protection of people is most needed.

Advanced biometric capture on-device

Identy.io’s technology allows the capture of all ten fingerprints directly from the user’s mobile phone, without the need for additional devices. Using the phone’s own camera, the system obtains high-resolution biometric images comparable to those captured by traditional readers, ensuring an adequate level of accuracy and enabling a fast and intuitive authentication process by reducing the technical and logistical barriers that typically hinder identity registration, especially in vulnerable or hard-to-reach contexts. This is key to preventing human trafficking. In cases of disappearance, attempted forced transfer, or border crossing, the registered fingerprints can be immediately matched by law enforcement authorities, even if the victim lacks documentation or if it has been falsified.

Passive liveness detection to prevent fraud

Through passive liveness detection, Identy.io’s solution verifies that the biometric capture truly corresponds to a person present at the time of registration, without requiring specific movements or predefined actions from the user. Unlike other more intrusive methods, this approach automatically analyzes multiple biometric and contextual indicators during capture to confirm that it is not an image, a mask, or a deepfake. This capability is essential to prevent the use of digital doubles, forged fingerprints, or silicone replicas, techniques increasingly used by criminal networks to impersonate identities and evade security controls. By ensuring that each biometric record is unequivocally linked to a real, living person, the reliability of the identification process is significantly strengthened.

Local processing and offline operation

All biometric data captured by Identy.io’s solution is processed locally on the device, without the need for an Internet connection, which not only speeds up registration but also allows the technology to operate in remote environments, rural areas, or emergency situations where access to data networks may be limited or nonexistent. This approach ensures that sensitive information never leaves the device until the user decides to share it securely, reinforcing privacy and data protection against unauthorized access. In addition, by eliminating dependence on connectivity, law enforcement authorities can perform immediate matching anytime and anywhere, which is especially critical in the location and rescue of victims.

Interoperability with official systems

Identy.io works with international entities, NGOs, and programs for the protection of minors and vulnerable individuals like The Exodus Road, placing its biometric technology at the service of investigation, prevention, and victim rescue. Through this collaboration, Identy.io provides accessible and reliable tools to law enforcement authorities, facilitating interoperability with official databases and ensuring that biometric records are processed securely and privately. This way, technological collaboration not only strengthens the operational capacity of authorities but also contributes to the prevention and deterrence of trafficking networks, ensuring that the protection of people is faster, more coordinated, and more effective.

Technology with purpose: Identy.io’s commitment

All these technological advances presented by digital identity verification solutions represent a decisive step toward minimizing the impact of these crimes and restoring people’s right to identity.

For Identy.io, technological innovation goes hand in hand with social commitment, which is why its biometric solutions are designed not only to offer the highest level of security but also to protect the most vulnerable individuals and actively contribute to the fight against human trafficking and other crimes where identity is key. Biometrics, always used ethically and responsibly, is consolidated as a fundamental ally in building a safer digital and physical environment, where identity becomes a tool to protect social rights.

La entrada Biometrics as a key ally in the fight against human trafficking se publicó primero en identy.io.

Best identity theft protection software 2026

Rodrigo Ramos — Fri, 27 Mar 2026 06:29:31 +0000

As financial institutions and governments digitize services, identity theft has emerged as a top business risk. Cybercriminals now use AI deepfakes and synthetic identities to bypass traditional safeguards. Robust identity theft protection software must therefore blend advanced detection (dark-web scanning, AI anomaly analysis), passwordless/FIDO-compliant authentication, and strong compliance controls. Leading platforms (for example, Identy.io – a FIDO Alliance member) illustrate how on-device biometrics and passive liveness detection can secure identities without sacrificing user experience. In 2026, organizations should evaluate identity theft protection software on business-impact criteria: minimizing fraud losses, preserving customer trust, ensuring regulatory compliance (KYC/AML, privacy laws), and scaling seamlessly. This article analyzes key features and trends in identity-fraud prevention solutions tailored for fintech, banking and government, focusing on employee- and customer-centric use cases, digital trust, UX, and scalability.

Detect Deepfakes before they become a Threat

Rising identity theft risks in finance and government

Identity theft has become the fastest-growing financial crime according to the FTC. Regulators warn that criminals now exploit generative AI to create fake IDs, photos and videos to defeat verification checks. For example, a U.S. Treasury alert reports increasing “deepfake media” schemes targeting banks: attackers use AI-generated documents and spoofed biometrics to slip past login and onboarding systems. Biometric fraud stats are alarming: Entrust’s 2026 fraud report finds one in five biometric fraud attempts involved deepfakes. Fraudsters also target high-risk areas (e.g. cryptocurrency) and 24/7 operations, so identity attacks can occur anytime. Even well-intentioned employees pose risks: industry surveys show 62% of insider incidents stem from negligent or compromised users, not malice, and 73% of security teams worry about careless employees handling sensitive data.

Together, these trends underscore that identity fraud is a business-wide concern. A breach or spoofed employee ID can lead to costly financial losses (41% of firms saw $1M–$10M insider-incident losses) and erode customer trust. Governments are responding: the EU’s Digital Identity Wallet regulation (eIDAS 2.0) mandates secure digital IDs to reduce fraud, while U.S. standards (NIST SP800‑63) emphasize usability alongside security. In this climate, identity theft protection software must integrate fraud prevention with strong compliance support and user-friendly authentication to maintain digital trust.

Key features of identity theft protection software

Top identity theft protection software combines multiple layers of monitoring and verification:

Real-time identity monitoring: Continuous scanning of dark-web databases, credit bureaus, and data broker feeds for exposed PII (SSNs, login credentials, etc.) alerts administrators immediately if employee or customer data is compromised. This rapid alerting (real-time versus batch-data) is critical to “stop or minimize” damage.
Anomaly and fraud detection: AI-driven analysis of login and transaction patterns can spot unusual activity (e.g. impossible travel, atypical hours) and flag potential account takeovers. Modern solutions often use machine learning to adapt as fraud tactics evolve.
Multi-factor and biometric authentication: By enforcing strong authentication (biometric, hardware tokens or FIDO passkeys) for employees and customers, solutions make it far harder to impersonate someone. For instance, FIDO-compliant passkeys replace passwords with cryptographic credentials bound to a device, eliminating credential reuse and phishing risks. Users simply unlock with a fingerprint or face scan, streamlining UX. Identy.io performs all biometric matching directly on the user smartphone, no biometric data is ever transmitted to a server. This on-device architecture delivers real-time response, works offline, and is privacy-by-design.
Passive liveness and anti-spoofing checks: Advanced platforms use passive liveness detection , running silently in the background, with no prompts or user actions required , to verify that the biometric sample comes from a real, live person. AI models analyze skin texture, depth, micro-movements, and lighting cues to detect printed photos, video replays, 3D masks, and AI-generated deepfakes.
Employee identity protection: Proactive features for staff include identity-monitoring subscriptions or alerts for suspicious employment records (fake W-2s, new tax filings on an employee’s SSN). Some organizations even offer employee identity theft protection software as a benefit, recognizing that personal identity breaches (e.g. a stolen SSN) can become corporate incidents. For example, LinkedIn or HR profile monitoring can prevent imposter accounts on corporate systems.
Incident remediation support: Many solutions bundle recovery services (credit freezes, legal aid) so that if theft occurs, employees and customers get guided, “white glove” remediation. This reduces downtime and reputational damage.

In short, the best anti identity theft software solutions are layered and adaptive, combining backend monitoring with seamless front-end authentication. A tabular overview of feature trade-offs (e.g. usability vs assurance level) can help stakeholders compare options (see footnote suggestion for a chart).

Experience Identy.io in action

Get a tailored demo of our contactless biometric platform and see how it fits your specific use case.

Biometric authentication and FIDO Standards

Biometrics (fingerprint, face, iris) have become mainstream for biometric identity verification, but they must be implemented securely. International guidance stresses protecting biometric templates with encryption and strict data governance. Identy.io performs all matching on the user smartphone and never stores raw biometric data centrally — a design that satisfies GDPR data minimisation requirements and eliminates the server-side breach risk that plagues cloud-dependent alternatives. This approach limits breach risk while enabling passwordless login.

In enterprise use-cases, replacing passwords with FIDO-based passkeys has clear benefits: “FIDO authentication reduces the risk of phishing and eliminates credential reuse,” while improving speed and ease of access for employees and partners. By using device-bound cryptographic keys or synced passkeys, organizations remove a major attack vector. Crucially, NIST’s 2025 Digital Identity guidelines echo this, urging multi-factor and decoupling from shared secrets for both high-assurance and everyday services. Identy.io’s own suite illustrates this design: it combines on-device biometrics with FIDO-based passkeys, and its passive liveness engine silently detects spoofing and deepfakes in real time, without the user ever being prompted.

For user experience, biometric/FIDO solutions can be frictionless: logging in or approving a transaction is as simple as a fingerprint scan. Behind the scenes, cryptographic binding and on-device AI continuously validate identity, with sub-second latency even on mid-tier Android devices. This “passkey” model scales across millions of users while sidestepping the password fatigue that often leads to breaches.

Compliance, trust and scalability considerations

Any identity protection platform must align with relevant regulations. In banking and fintech, KYC/AML rules compel strong identity proofing, so the software should enable reliable customer onboarding (automated ID checks, documented audit trails) and ongoing authentication. For government e-services, standards like GDPR and eIDAS/EUDI require data minimization and transparency in identity processing. The EU Digital Identity framework, for instance, mandates digital wallets to ensure fraud “is reduced” through verifiable identity.

Regulators are also demanding resilience against new threats: FinCEN has explicitly alerted institutions about GenAI-facilitated fraud, and NIST now embeds controls for deepfakes in guidance. Best-in-class solutions will offer tools (like AI-driven document verification or biometrics certified against standards) that directly address these concerns. In practice, this means choosing vendors with third-party certifications (e.g. ISO27001, FIDO Compliance) and clear privacy compliance (e.g. encryption, consent management) baked in.

From a strategic viewpoint, deploying identity theft protection software is a long-term investment in digital trust. It can enhance user experience (fast, passwordless access), boost revenue (by reducing fraud-related losses), and strengthen brand reputation. Scalability is key: the chosen system must handle peak loads and large user bases (cloud-native architectures, horizontal scaling, and APIs for integration). Moreover, the provider’s roadmap should match your needs for emerging tech (AI fraud detection, interoperability with new ID schemes, etc.).

By 2026, the best identity theft protection software for enterprise use will be those combining verifiable certifications, on-device processing, and frictionless biometric authentication. Identy.io shows how a passive liveness and FIDO-based architecture can give banks and governments the tools to verify users quickly, while making deepfake and spoofing attacks impractical

Senior leaders should view identity protection not just as a technical control but as a cornerstone of digital trust. A robust solution proactively shields both employee and customer data, preserving productivity and confidence. It also signals to regulators and clients that you take identity security seriously. In practice, organizations might pilot solutions on high-risk workflows (e.g. new account opening or privileged access) and expand as ROI is demonstrated.

In summary, selecting a top-tier identity theft protection suite in 2026 means balancing security efficacy, user experience, and regulatory compliance. With increasing AI threats and stricter ID frameworks, solutions built on passive liveness detection, on-device processing, and proven certifications will lead. Implementing such solutions will help fintechs, banks and government agencies manage fraud risk, enhance digital trust, and scale their operations securely into the future.

Trusted external references: Authoritative sources shaping this domain include the FIDO Alliance (passkey standards), NIST (digital ID guidelines), U.S. agencies (FinCEN, FTC/IdentityTheft.gov), the European Commission (eIDAS/EU Digital Identity regulation), the World Economic Forum (AI and security reports), the World Bank’s ID4D initiative (biometric ID guidance), and specialist media like Biometric Update that track deepfake and identity-fraud trends. These organizations provide up-to-date guidance and research on biometrics, anti-fraud, and identity security.

Experience Identy.io in action

Get a tailored demo of our contactless biometric platform and see how it fits your specific use case.

Bibliography

Biometricupdate.com
http://fidoalliance.org/company/Identy.io/
https://www.nist.gov/

La entrada Best identity theft protection software 2026 se publicó primero en identy.io.

Liveness biometrics: key to ensure real identity verification against deepfakes

Andrés Alvargonzález — Tue, 24 Mar 2026 15:24:00 +0000

We are living at the dawn of the age of artificial intelligence (AI), a technology that, since its widespread adoption in 2021, is revolutionizing everything at an astonishing speed. From entertainment to productivity, AI is everywhere, and among the tools that are having the greatest impact are deepfakes, especially in the field of identity fraud. So, what are they and what impact can they have on society?

The Era of Synthetic Reality

We have already seen videos go viral in which public figures (especially politicians) are shown saying something they never actually said, with all the dangers that this can entail. Of course, this is multimedia content that has been manipulated (or generated from scratch) using artificial intelligence, with the added danger that it looks increasingly authentic. That’s a deepfake, a term that comes from the combination of “deep learning” and “fake.”

A standard definition of deepfake refers to audiovisual content (whether image, audio, or video) generated or modified using advanced artificial intelligence techniques, specifically deep learning, with the aim of realistically imitating the appearance, voice, or gestures of a real person.

The technology behind these videos is neural networks, specifically GANs (Generative Adversarial Networks), where two models complement each other to create a video that is realistic to the human eye. On the one hand, there is the Generator, which creates the synthetic content. On the other hand, there is the Discriminator, whose mission is to evaluate the content and detect whether it is real or not.

Deepfakes, a threat to identity

The many different AI tools are proving to be a double-edged sword, with many high-value applications, but also representing a potential danger depending on who is using them. Thus, although deepfakes have positive applications mainly in the film and visual effects industry or in education/museums (to bring historical figures back to life), their fraudulent uses are much more notable.

Deepfakes can be used for a variety of criminal activities, such as disinformation or even manipulation, but one of the most frequent and worrying is identity spoofing and fraud.

As traditional, insecure forms of verification, such as passwords and codes, have been left behind, biometrics has emerged as a fundamental tool for adding layers of security, becoming the standard for identity verification. However, cybercriminals have taken advantage of the emergence of advanced technologies such as deepfakes to bypass and deceive standard biometric verification measures.

The key tool against deepfakes: liveness detection

In this context, one tool stands out as the most effective defense against deepfakes: liveness detection. This technology confirms with almost complete certainty that the person appearing in front of the camera is real and physically present at the time of identification. If the system detects any anomaly that could indicate otherwise, it automatically rejects the verification.

This liveness test has two modes: Active liveness detection, which requires the user to interact with the system, for example, by blinking, smiling, turning their head, or following an instruction. This adds a challenge-response layer to prove that the face is alive.

Passive liveness detection, on the other hand, does not require the user to perform any action; it simply analyzes the person’s image for signs of life.

Identity.io’s passive liveness technology uses AI models that are trained to detect patterns which unequivocally identify a video as real. These patterns include structure and depth, since human faces naturally have depth that varies as the person or camera moves from angle to angle. Another analysed aspect is texture and light reflection because our skin reflects light in a complex and organic way that is difficult to replicate. Finally, the algorithms can detect micro-expressions and involuntary movements that real faces display, but which are not present in artificial ones.

Companies and institutions must bear in mind that the risk of deepfakes is very real and present, and will continue to grow as the algorithms used to create them become more sophisticated and the technology more accessible. It will be vitally important to implement biometric measures using liveness detection to ensure totally secure identification.

La entrada Liveness biometrics: key to ensure real identity verification against deepfakes se publicó primero en identy.io.