- Financial Services
- Live Demo
Stop fraud at the point of transaction with credential-based step-up authentication.
Traditional fraud prevention relies on behavioural signals, device fingerprinting, and post-hoc investigation. Credential-based step-up authentication adds a fundamentally different layer: when a transaction triggers a risk threshold, the user is prompted to present a verified credential from their wallet.
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.
Ready to get started?
Explore the verification infrastructure that organisations across Europe are using to accept digital credentials.