Use Cases
Account Takeover Prevention
The account is real. The person using it isn't. Every second you take to detect it costs money — and every friction layer you add to prevent it costs customers.
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What’s at Stake
The hardest fraud to catch is the one using a legitimate account.
Account takeover doesn't trip your onboarding defenses — because the account already passed them. The attacker logs in with stolen credentials, passes your security questions, and operates inside a trusted profile. Your system sees a returning customer. Your customer sees their account emptied.
The industry's response has been to add friction — more MFA steps, more challenges, more interruptions. But every extra gate pushes legitimate users to abandon or switch. You end up punishing the customers you're trying to protect.
3x
More likely to switch to a competitor after severe transaction friction (Bain & Company)
$15–$30
Per support ticket for authentication failures and password resets (Gartner)
~90%
Of Unico transactions approved via silent or passkey — no user interruption
The Unico Approach
Confirm the legitimate user in seconds — without them even noticing.
Unico's Smart Revalidation analyzes over 40 identity and behavioral data points in real-time, routing each action to the optimal security layer. If the context is trusted, the user passes silently. If something is off, the challenge escalates — all the way to facial biometric when necessary. Same security guarantee. Minimum possible friction.