Trust by Design
Built with a foundational commitment to security — instilling lasting confidence in every digital interaction.
Phishing-resistant customer authentication
Veri5
Veri5 establishes trust in the customer, their device and the transaction itself — so a stolen credential is no longer enough to take over an account, and a genuine customer is no longer made to prove it with an OTP.
- Phishing-resistant
- Behavioral biometrics
- Post-quantum ready
- Device-bound
The scale of the problem
- lost globally to financial frauds every year.
- $1.3T
lost globally to financial frauds every year.
- of fraudulent verification attempts involved impersonation.
- 85%+
of fraudulent verification attempts involved impersonation.
- Source · Veriff, 2026 Fraud Report findings
- increase in deepfake fraud attempts over the last three years.
- 2137%
increase in deepfake fraud attempts over the last three years.
- Source · Signicat, The Battle Against AI-Driven Identity Fraud / press release, Feb 2025
Cost of fraud modelROI calculator
Put a number on it.
Model your institution’s annual fraud cost exposure, and what a passwordless deployment recovers.
- 17 cost drivers across fraud, operations, friction and cards
- Regional benchmarks for 13 markets — or your own figures
- Personalise for a client, then save it as a PDF
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Quick estimateLive
3,000,000
Estimated annual exposure
$281.2M
- Fraud losses
- Operations
- Friction and lost revenue
- Card lifecycle
Fraud is not inevitable.
It’s a design failure.
Multi-Layered Defense Stack
Fidar layers device intelligence, behavior, cryptography and AI to block threats everywhere.
01 / 05 · FOUNDATIONcore integritySEALED
Robust Layered Security
Multiple independent security layers work in harmony to deliver comprehensive, end-to-end protection.
Advanced Breach Resistance
Fortifies defenses with sophisticated mechanisms that make it significantly harder for attackers to penetrate.
Resilience-Driven Architecture
Designed for continuity with redundancy and no single points of failure — ensuring uninterrupted performance.
Dynamic Threat Adaptation
Leverages patent-pending cutting-edge technologies and evolving strategies to stay ahead of emerging threats.
Breach Resilient by Design
THE INTELLIGENCE UNDERNEATH
DEVICE
Device Intelligence
Assess device reputation, posture, ownership and trust before authentication or high-risk actions are allowed.
INTEGRITY
Device Integrity
Detect rooted, jailbroken, malware-compromised or otherwise untrusted devices before authentication succeeds.
LOCATION
Location & Perimeter Intelligence
Evaluate network, location and contextual signals to identify suspicious origins and anomalous location patterns.
BEHAVIOR
Behavioral Intelligence
Analyse user activity, session behaviour and transaction patterns to detect abnormal activity in real time.
BIOMETRICS
Behavioral Biometrics
Use keystroke, touch, swipe and navigation dynamics to identify abnormal, automated or non-human behaviour.
CRYPTOGRAPHY
PQC-Ready Cryptography
Use device-bound, post-quantum ready cryptographic keys to create stronger, phishing-resistant authentication.
Six signals, scored as oneIn real time
Powered by AI
The Triangle of Trust
- USER
The real customer
Establish that the person on the other end is the customer, not a credential that happens to be correct. Biometric and cryptographic factors replace the reusable secret that anyone can phish, buy or replay.
- DEVICE
A device worth trusting
Detect rooted, jailbroken, malware-compromised or otherwise untrusted devices before authentication succeeds — the device is bound into the identity, not merely counted as a second factor.
- APP
A verified application
Cryptographically verify that the app asking for trust is the app you published. Without this leg the other two can be replayed through anything that speaks the protocol.
- RISK
Continuous risk, not a one-time check
Touch, keystroke and navigation patterns, network and location signals — evaluated in real time, so trust established at login can be withdrawn at the transaction.
Protecting Every Touchpoint
01
Digital Banking
Passwordless, phishing-resistant authentication across mobile and internet banking, account access and high-risk requests.
02
3DS 2.0
Minimize OTP dependency and authentication friction across card-not-present payment journeys.
03
Contact Center
Authenticate customers without relying on security questions, static PINs or easily impersonated personal data.
04
ATM & CCDM
Use the trusted smartphone as a secure key for cardless and PIN-less interactions.
05
Instant Payments
Secure real-time payment initiation, beneficiary additions and high-risk transfers with strong, frictionless, zero-OTP authentication.
06
Local Card Schemes
Enable phishing-resistant authentication for Jaywan, RuPay, mada and other domestic card schemes across digital and card-not-present journeys.
The Veri5 advantage
Veri5 replaces vulnerable passwords and OTP-heavy journeys with phishing-resistant, device-bound, cryptographic authentication, reducing fraud risk while improving customer experience, compliance, and operating cost.
01
Reduce Fraud Risk
Stop account takeover, phishing, SIM-swap, OTP interception, and credential-based attacks before access is granted.
02
Neutralise Breach Impact
Make stolen credentials far less actionable by binding access to trusted devices, cryptographic proof, behaviour, location, and context.
03
Eliminate Friction
Deliver passwordless journeys that improve security and convenience together, so users experience less friction, not more.
04
Strengthen Compliance
Support central bank and industry authentication requirements, including PSD2, SCA, 3DS, FIDO2, and NIST-aligned controls.
05
Reduce Fraud & Operational Cost
Reduce fraud losses, telco OTP costs, manual reviews, call-center burden, and repetitive verification journeys.
06
Improve Digital Conversion
Streamline onboarding, login, payments, and high-risk actions to reduce abandonment across digital channels.
Shared trust primitives
Identity
Cryptographic identity
Bind identities to trustworthy credentials, devices, applications or agent provenance.
Access
Authentication & authorization
Establish who or what is acting, then evaluate whether the requested access or action is permitted.
Policy
Policy-driven governance
Translate enterprise policy into enforceable controls across humans, applications and autonomous systems.
Evidence
Verifiable proof
Create an attributable record of identity, authority, decision and consequential action.
Cryptography
Algorithm agility
Design cryptographic dependencies so enterprises can evolve toward post-quantum algorithms without identity re-platforming.
Ecosystem
Integration-first
Work with existing IdPs, SIEMs, applications, APIs, cloud platforms and security controls rather than replacing the entire stack.
How a proof is assembled
Each factor is bound in turn, and none of them is trusted on its own. What comes out the other side outlives the session that made it.
- 01Unresolved
A credential arrives. On its own it proves nothing.
- 02Customer
A live biometric, bound to a person rather than a secret.
- 03Device
A hardware key that cannot be copied off the handset.
- 04Behavior
Behavioral biometrics — keystroke cadence, touch pressure and navigation rhythm, scored continuously.
- 05Application
The binary you published, proven by its signature.
- 06Lattice
The factors resolve into one cryptographic structure.
- 07Sealed
A proof that stays verifiable long after the session.
What Veri5 stops
Stolen PII, passwords and OTPs have zero impact.
Device-bound, post-quantum identity means breached data gives attackers nothing actionable.
- Vector 01
Account takeover
Stolen credentials cannot log in — a device-bound signature is required, whatever data was breached.
Data theft: zero impact - Vector 02
SIM swap & OTP interception
OTPs are gone entirely. There is no SMS code to intercept, redirect or talk someone out of.
OTP surface eliminated - Vector 03
Deepfake & voice cloning
Behavioural biometrics continuously verify the real human behind the device, in real time.
Silent continuous re-auth - Vector 04
Phishing & AiTM
Authentication is domain-bound, so phishing pages and man-in-the-middle relays receive nothing usable.
Nothing to phish - Vector 05
Card skimming & PIN theft
Cardless ATM access with a biometric device token — no card inserted, no PIN entered, nothing to clone.
ATM fraud: zero surface - Vector 06
Session hijack & replay
Sessions are cryptographically re-bound per interaction. Stolen tokens expire at once, and PQC signatures prevent replay.
PQC session integrity - Vector 07
Social engineering & impersonation
Biometric push authentication in both call directions — agents can't be fooled by recited details, customers can't be fooled by fake callers.
Caller verified at source - Vector 08
Assisted fraud
Agent authentication is individual and device-bound. Every action is cryptographically attributed — no shared passwords.
Full audit, zero sharing
Fraud is not inevitable. It is a design failure. Fidar fixes the design.
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