Your fraud defenses were built before deepfakes existed.
Generative AI has collapsed the cost of a sophisticated identity attack by more than 100×. Passwords, OTPs, and device checks verify credentials — but credentials can be stolen, intercepted, and spoofed. The question your stack still can't answer: is this the same real, live person who originally registered?
U.S. identity fraud losses in 2025 (Javelin)
Americans hit by identity fraud last year (Javelin)
Drop in cost of a sophisticated attack (Unico)
Fraud has outgrown the cost of doing business.
$3.3B Synthetic identity fraud exposure at U.S. financial institutions in 2024. (TransUnion)
$893M+ AI-related fraud losses reported to the FBI in a single year. (IC3 2025 Annual Report)
121% Projected rise in financial-institution fraud losses by 2030. (Liminal)
These are not forecasts about a future threat. They describe the current operating environment. The same generative AI tools that help legitimate businesses scale now let attackers scale fraud campaigns at near-zero marginal cost. What once required specialized skill and equipment now requires a subscription.
The threat isn't just growing. It's climbing.
Crude (30.9%)
Printed photos, faces held to cameras. Shrinking. Modern liveness catches most of these.
Simple injection (45.8%)
Manipulated images or video streams fed directly into verification pipelines. The largest category today — and one cheap step from the top.
Sophisticated (23.3%)
Deepfakes combined with injection and physical manipulation. A year ago this was a frontier. Today it's a quarter of all classified attacks.
Growth in monthly injection cases (Unico)
Drop in cost of executing a top-tier attack (Unico)
Every actor in the 45.8% middle tier is one cheap upgrade away from the top. The barrier that kept sophisticated fraud rare has been removed.
Every high-risk moment is a point of exposure.
Account opening
- Synthetic identity rings — A fabricated identity passes your KYC check, builds credit history, and drains resources — all while looking legitimate to your systems.
- Multi-account farming — The same person (or bot) opens dozens of accounts under different names. Your system sees each one as a first-time applicant.
Login & recovery
- Credential stuffing — Stolen passwords are tested at scale. An OTP adds a step, not a wall — it can be intercepted, SIM-swapped, or socially engineered.
- Account takeover — 6 million victims in 2025, up 141% since 2021. 85% of organizations report repeat incidents. (LexisNexis; Liminal)
Transactions & changes
- Wire fraud — A high-value transfer authorized with an SMS code that was intercepted 30 seconds earlier.
- Profile hijacking — Email, phone, or address changed using stolen credentials. By the time the real customer notices, the damage is done.
Emerging vectors
- AI agent exploitation — No cryptographic proof that a human authorized the action. The audit trail has a gap.
- Deepfake at the call center — Social engineering now comes with a face and a voice. Security questions don't help when the attacker sounds like the customer.
Human tokenization. Verify the person, not the credential.
One live facial scan becomes an irreversible, anonymous token. No stored photos. No government IDs. No passwords. The same person always gets the same token — regardless of device, session, or channel.
Capture
Device camera captures a live facial scan.
Liveness
Unico's cloud confirms a real, physically present person.
Tokenize
Facial geometry is converted into an irreversible cryptographic token.
Match
Token is compared against the registry. Match / no-match returned in real time.
Fraud
Confirms the person is alive and is the same individual who registered. Counters deepfake, injection, and presentation attacks.
Friction
Replaces SMS codes, OTPs, and CAPTCHAs with a single 3-second check at login, payment, and account changes.
Privacy
No photos stored. No documents collected. Only a one-way mathematical token. Biometric adoption becomes a feature, not a liability.
Complexity
One consistent token across IVR, mobile, web, and in-branch. One integration, not four.
A rail, not a rebuild. Hardware-agnostic. Cloud-native. Exposed via API. Layers onto your existing core banking, fraud, and compliance systems — no re-architecture required.
Identity verifications processed
Companies protected
Countries served
Trusted by 400+ companies across 25+ countries.
Skip the friction. Start the conversation.
Whether you're evaluating liveness detection, exploring human tokenization, or ready to run both as one solution, our team is ready to help you scale securely.