How Interac strengthens trust in Canada's digital economy with Incode
A collaboration adds Incode's iBeta-validated liveness and deepfake defenses to Interac Verified™, and gives Interac exclusive Canadian rights to deliver document verification using Incode's technology.
financial institutions connected to the Interac network
times a day Canadians choose Interac products, on average
errors in iBeta Level 3 liveness validation, on iOS and Android
The network Canadians rely on to move money and verify identity
Interac empowers Canadians to transact digitally with confidence, providing payment and value exchange services.
Canadian-owned and operated, with decades of experience delivering services at national scale, Interac is one of Canada's leading and most trusted financial brands, with security at the core of everything it does.
Fraud has moved from stolen documents to fabricated identities
A digital-by-default economy only works if businesses can genuinely trust who is on the other side of the screen.
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01
Fabricated identities, not stolen documents
Generative AI makes synthetic faces, voices, and videos cheaper to produce, so a verification system built only to check a document against a face is no longer enough.
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02
The capture matters, not just the document
Systems must also detect the conditions under which a document was captured: AI-generated images and video, virtual camera feeds, and signs of device tampering.
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03
High stakes at every opening
Digital account openings, onboarding, credit applications, and other high-risk transactions are where getting identity verification right matters most.
Canadian businesses needed high-assurance identity checks at an accessible price, delivered through a network they already trust and rely on daily.
What Incode adds to Interac Verified
Interac is integrating Incode's capabilities directly into its existing document verification service, and holds exclusive Canadian rights to deliver document verification using Incode's technology.
Passive liveness, validated at the highest level
Incode is the first to achieve iBeta Level 3, the industry's highest certification standard. The check confirms a real person is present during verification, without adding friction for legitimate users.
Deepsight catches what older methods miss
Deepsight
Incode's intelligence orchestration layer runs multiple detection tests in parallel to catch AI-generated images and video, virtual camera feeds, and device tampering, surfacing sophisticated impersonation attempts that older verification methods miss.
Fraud network intelligence
Participating organizations can opt in to share network-level risk signals, helping the whole ecosystem spot emerging fraud patterns earlier.
An AI-powered document pipeline
Identity Verification
Incode's verification pipeline is integrated directly into the Interac document verification service, enhancing its existing ID capture and liveness capabilities.
Used together, these capabilities help organizations move customers through digital onboarding faster while reducing impersonation risk, and position Interac as the preferred domestic verification provider for Canadian businesses.
How it works
Built for how Canada verifies identity
A system-level vantage point
Interac operates domestic verification that reflects how Canadian institutions work together, using privacy-protective signals to raise confidence.
Data residency defaults to Canada
Canadian data stays in Canada by default, directly supporting digital sovereignty for Canadian operations.
Approve faster, stop earlier
Higher assurance and faster outcomes in a cost-efficient way, so Canadian businesses approve legitimate customers faster while stopping bad actors earlier.
Privacy is the architecture
Incode made privacy a founding conviction long before regulation or the market asked for it. Its AI-first identity verification reduces fraud while remaining private and compliant.
Testimonial
“The goal is simple: build trust into digital interactions in Canada.”
Fatema Pirone · Head of Verification, Interac
What's next
See how Incode powers identity verification at national scale
Bring liveness, deepfake defense, and document verification to the businesses that rely on your network.