From Trust Risk to Trusted Growth: How Acorns Can Strengthen Fraud Defense and Fuel Smarter Expansion

Growth Demands Trust. Identity Infrastructure Makes It Scalable.

Incode can help Acorns stop fraud, reduce onboarding friction, and drive secure growth with a fully proprietary, real-time identity verification platform.

The Problem: Fintech Growth Comes with High-Stakes Identity Risk

With phishing, synthetic IDs, and ATOs on the rise, platforms like Acorns face a new challenge: scale onboarding without exposing users—or the brand—to evolving threats. Traditional ID stacks built on third-party tools are too slow to adapt.



The Solution: Incode Combines Security, Speed, and Ownership in One Identity Layer

One Identity Platform. Zero Third-Party Limitations.

Our AI-driven platform replaces fragmented vendor chains with seamless, in-house control—powering verification, compliance, and fraud prevention from a single stack.


3-second onboarding with deepfake-resistant liveness
Proprietary face + document recognition
Behavioral risk signals to detect ATO patterns
Configurable workflows based on user risk level
Full control over fraud models, 
no licensing lag

How Acorns Can Turn Identity Into a
Growth Engine

What Fintechs Like Acorns Gain with Proprietary Identity Infrastructure

83%
reduction in abandonment rates from false declines
72%
drop in account takeover events after biometric re-auth
94%
verification accuracy within 60 seconds

29%
lift in pass rates for first-time investors

Identity Drives Trust. Trust Drives Growth.

Incode can help Acorns protect users and accelerate growth with secure, owned identity infrastructure—built to evolve as fast as fintech does.

Secure Your Growth with Incode

The next generation of fraud is already here. Let Incode help you stop it before it stops your growth.

Why Incode?

> Preserve Privacy with 100% Automation
> Process Decisions with Lightning Speed
> Guarantee Accuracy with continuously advancing AI/ML

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