Incode

Fraud Solution Profile

More Conversions. Less Fraud. One Platform.

Enterprises have long accepted an impossible trade-off: tighten fraud controls and watch conversion rates fall, or prioritize growth and open the door to bad actors. Incode was built to eliminate that trade-off entirely, delivering a platform that simultaneously drives significant conversion improvement and stops the most sophisticated fraud threats in the market today.

The stakes have never been higher. Generative AI has fundamentally changed the attack surface, enabling criminals to fabricate identities, clone faces, and impersonate real people at a speed and scale legacy systems were never designed to handle. Global fraud losses are projected to hit $40B by 2027, growing 32% year over year. Static rules, manual review queues, and siloed point solutions aren’t just inefficient. They’re structurally incapable of keeping up.

Eliminate Friction. Grow Revenue.

Incode’s AI-first platform verifies 98% of users on their first attempt in as little as 1.5 seconds, 2x faster than competing solutions. Fully automated decisioning eliminates manual review backlogs, and AI-powered re-engagement tools recover users who drop off mid-flow. Verification experiences are continuously optimized, meaning conversion improves over time rather than degrading. For growth and fraud teams alike, that means one platform investment that reduces losses and materially increases revenue at the same time.

A Data Advantage That Compounds

At the core of Incode’s platform is a scale advantage no point solution can match. With 4.1 billion identity checks processed annually across more than 400 million identity profiles, Incode’s proprietary AI models train continuously on the world’s most diverse set of real-world fraud signals. Every verification sharpens the models. Every new attack pattern becomes training data. The result is 99.99% accuracy in detecting AI-generated fraud and more than 30 million identity fraud attempts stopped to date.

Built to Stop What’s Actually Hitting Enterprises

Modern fraud is coordinated, multi-channel, and increasingly AI-generated. Incode’s modular platform addresses every critical threat vector:

• Synthetic & stolen identity blocking: Fabricated and stolen identities are detected and eliminated at the point of entry, before they ever create losses, using continuously evolving AI models trained on the latest attack patterns.
• Account takeover prevention: Advanced biometric authentication and step-up verification stop unauthorized access attempts cold, protecting high-value accounts and transactions without adding friction for legitimate users.
• Authoritative source verification: Direct integrations with government Systems of Record, including DMVs across the U.S. and official government sources globally, deliver real-time deterministic identity validation at the source, not against third-party databases.
• Deepfake & AI injection defense: Multi-modal intelligence analyzes face, document, device, and behavioral signals simultaneously, catching AI-generated attacks that fool single-signal systems.
• Network & coordinated attack detection: Cross-session pattern recognition identifies fraud rings, repeat attackers, and device reuse before they scale.
• Workforce protection: Incode secures the full employee lifecycle, from candidate verification to MFA resets and help desk authentication, closing identity gaps that traditional IAM leaves open.

Recognized at the Highest Level

Incode is named a Leader in the Gartner Magic Quadrant for Identity Verification for the second consecutive year, a Leading Vendor in Liminal’s Link Index for KYC, and the first company globally to achieve iBeta PAD Level 3 compliance on both iOS and Android with a 0% error rate.

Clients include 8 of the 10 top U.S. banks, 7 of the 8 top U.S. telcos, and federal and state government agencies, organizations where the difference between 99% and 99.99% accuracy is measured in millions of dollars.

Fraud doesn’t pause for procurement cycles. Incode is the only platform combining frontier AI, a compounding data advantage, direct authoritative source connections, and full lifecycle identity coverage, purpose-built for the threats enterprises face today and the ones they’ll face tomorrow.