Stop fraud at the point of transaction with credential-based step-up authentication.

Where verification is needed

• High-value payment authorisation when a transfer exceeds a risk threshold
• Account recovery and password reset identity verification
• New payee addition identity confirmation
• Suspicious login or device change step-up authentication
• Marketplace transaction identity verification
• Insurance claims identity confirmation before processing payout

What Vidos does

• Generates a presentation request for any credential type your risk engine specifies
• Verifies the credential cryptographically: signature, issuer trust chain, revocation status, expiry
• Applies your business rules: attribute matching, velocity checks, policy hooks
• Integrates as a step-up layer alongside your existing fraud and authentication stack
• Returns a structured verification result with an audit trail

Benefits for your organisation

• Add a cryptographically strong authentication factor resistant to social engineering
• Reduce false positives with higher-assurance identity confirmation
• Lower fraud losses on high-risk transactions
• Maintain existing fraud stack: Vidos integrates as a step-up layer
• Credential-agnostic: works with government and bank-issued credentials

EU context

Under PSD2 and forthcoming PSD3/PSR, Strong Customer Authentication is mandatory. The December 2027 deadline creates a natural integration point for credential-based fraud prevention.