Introducing GovFaceMatch: The First Identity Solution to Verify Biometrics Directly Against DMV Records

Today, Incode announced the launch of GovFaceMatch™, the first identity solution to verify biometrics directly against state DMV records in real time. By matching a live selfie against the issuing government record, GovFaceMatch confirms identity against the one source that cannot be fabricated, in an average of 10 seconds.

For years, identity verification (IDV) has forced organizations into an impossible choice: convert customers or stop fraud. GovFaceMatch removes that tradeoff entirely.

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Synthetic Identities Challenge Traditional IDV

Synthetic and stolen identity fraud has become one of the most damaging and unresolved problems facing U.S. businesses. An estimated $3.3 billion was lost to synthetic identity fraud in 2024, and losses are projected to surpass $20 billion by 2030.

Traditional IDV systems cannot keep pace with the scale and complexity of sophisticated, AI-enabled attacks. They rely on probabilistic signals such as database lookups, document authenticity checks, and risk scores to estimate whether someone is who they claim to be. This model worked in the human-driven fraud era, but it breaks down when faced with real stolen data and high-quality fake documents.

Consider a common scenario: a fraudster gains access to a real driver’s license through a data breach. With AI tools, manipulating the photo on the document to match the fraudster’s own likeness is simple. The underlying identity is real. The fraudster’s face matches the altered document during liveness detection. As a result, the verification attempt succeeds, and the fraud goes undetected.

For years, the industry’s response has been to layer on more checks: additional document scans, database cross-references, and manual review queues. But adding more steps doesn't fix a broken foundation. It only creates a higher-friction user experience (UX) that can undermine conversion and further damage an organization’s bottom line.

Tedious UX Creates Drop-Off

Additional identity checks frustrate users, and that frustration translates to drop-offs and lost conversion. Up to 40% of legitimate users abandon document-based verification before they complete their session.

Every additional layer, document scan, database cross-reference, or manual review queue adds time and steps to the verification experience. Each one increases the odds that a legitimate user gives up before finishing. Meanwhile, sophisticated fraud still slips through.

The only viable solution is to tie identity directly to an irrefutable source of truth. This is exactly why we’re launching GovFaceMatch, the flagship offering within GovMatch™, Incode’s suite of verification solutions built on government records.

How GovFaceMatch Removes the Tradeoff

GovFaceMatch changes the model. Instead of asking “Does this document look legitimate?”, GovFaceMatch simplifies identity verification to its most essential function: confirming that the person undergoing verification matches a real government-issued identity.

By performing a real-time, one-to-one biometric comparison between a user’s live selfie and their official DMV record, GovFaceMatch verifies identity against the only source that cannot be fabricated: the issuing authority.

This goes beyond better document verification. GovFaceMatch verifies identity directly against the government record, eliminating the need to trust the document at all.

The user experience is intentionally simple, consisting of just two steps for the majority of users:

1. The user scans their driver’s license barcode.
2. The user takes a live selfie.

GovFaceMatch then performs a secure, real-time comparison against the corresponding DMV record and portrait, returning a simple match result. No document image analysis and no probabilistic scoring against third-party databases is required, just a direct comparison against the government source of truth.

The results:

1. An average of 10 seconds to verify identity, compared to over a minute with traditional document-based verification
2. 20% increase in overall conversion rates
3. 1000x more accurate at catching fraud than data-only identity checks
4. 150x more accurate at catching fraud than traditional document-based verification alone

GovFaceMatch simultaneously reduces user friction while improving fraud prevention, removing a tradeoff that has challenged banks, lenders, fintechs, and healthcare providers for years.

Built on Government Infrastructure, Designed for Scale

GovFaceMatch works through secure, consent-based integrations with state DMV systems, enabling direct verification against official issuing records. This approach extends trusted public infrastructure into private sector use cases without compromising control or oversight.

By grounding verification in government records, GovFaceMatch introduces a level of certainty that legacy systems cannot replicate.

GovFaceMatch is designed to meet both consumer expectations and public sector requirements:

1. For users: all verifications require explicit user consent, and facial biometrics can be deleted immediately following verification
2. For government partners: all biometric matching occurs within the DMV environment, behind its security perimeter. Incode never receives or stores the biometric data or database portrait from the DMV.

This ensures that identity can be verified with high certainty, without introducing privacy risks.

Moving Beyond the Tradeoff

For years, identity verification has been defined by compromise. Security came at the cost of user frustration, and a good user experience invited more exposure to fraud.

GovFaceMatch doesn’t make identity verification incrementally better. It ends the tradeoff: biometric matching directly against the government record, for organizations who never want to choose between their conversion and fraud prevention goals again.

Ready to see it in action? Request a demo.

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