Highlights
3 years in a row named a Leader
A Leader in the 2026 Gartner® Magic Quadrant™ for Identity Verification
Download the report
Validated under real-world attack scenarios
First to achieve iBeta Level 3 on iOS and Android
Learn more
Introducing GovFaceMatch
The first identity solution to match biometrics against DMV records
Read more
How we protect data
Privacy is the architecture
Explore the Privacy Hub
AI-assisted fraud is industrializing and enforcement has followed.
Incode verifies real customers in seconds, stop deepfakes, block mules, keep sign-up fast.
What's actually happening
Deepfakes and selfie injection at account opening
record UK fraud cases in 2025 (UK Finance)
Onboarding failures that become FCA enforcement
FCA penalty for one bank's onboarding failures (2025)
APP fraud and the mule-account supply chain
UK APP fraud losses in 2025, up 19%
The balance you're trying to strike
Every control you add is friction a real customer feels; every corner you cut is a fine or a mule network later. Legacy IDV forces that trade-off. AI-native identity breaks it.
11 verified cases that hit European finance, and what stopped each one.
Expert match
We'll match you with the Incode expert who focuses on exactly that.
Request demoSynthetic faces and injection attacks are getting through our document-plus-selfie checks
We need audit-ready evidence for every onboarding decision before the next review
Mule accounts keep surfacing, and every reimbursement claim traces back to onboarding
Phishable OTPs are letting scammers into accounts and through high-risk payments
Our manual review queue grows faster than the analyst team clearing it
Good applicants abandon onboarding while false declines quietly cap our growth number
How Incode approaches it
The four failure modes draining UK onboarding, and how Incode closes each one.
eBook and guides
Enforcement records, incident logs, and checklists.
The 2024-2026 European record: incident log, growth benchmarks, attack anatomy, readiness checklist.
Read eBookThe full eIDAS and AMLR milestone timeline, plus a wallet readiness program.
Read eBookThree regulators' fines compared, plus the AMLR countdown and a CDD checklist.
Read eBookThe obligations map across EBA guidelines, DORA, the AI Act, and the UK critical-third-party regime.
Read eBookThe six-region registry table, the six-layer KYB stack, and the AMLR and MiCA dates that rewrite business verification.
Read eBookWhat our customers say
With Incode, we reduced our false rejections from 12% to 5% while bringing fraud down from 0.5% to 0.1%. That balance between protecting our clients and maintaining a seamless digital experience has been game-changing.
Carlos de la Ossa · Digital Channels Director
Six months of rigorous testing proved Incode indispensable for our stringent security and compliance benchmarks.
Miguel Lavalle · Head of Account Opening
Outcome data
Incode financial-services results
Ready to go further?
A focused conversation about your onboarding flow, your fraud
pattern, and your next FCA touchpoint. Go-live in 1-2 weeks.
A solutions engineer will reach out within one business day to schedule your session.
Answers come from across incode.com. For the full explainer, ask anything.
