One face, one contract.
Stop fraud where it happens — at the moment of action
Step-up Authentication cross-references the captured face against your entire registration base to determine if that biometric already belongs to another account. The result is instant and deterministic: either this person is unique in your system, or they're not. No scores. No ambiguity.
First withdrawal or cash-out
Validate whether that biometric already belongs to another active account before releasing funds.
Historical base cleanup
Retroactively ingest your existing selfie base to identify duplicates already in your system. Batch mode.
One account per operator
Enforce the rule that each individual holds at most one active account per operator or per country.
Replace manual video review
Eliminate human analysis with an automatic, deterministic decision — reducing back-office cost and time.
Behind the seamless experience
Four modular capabilities working in concert — invisible to the user, decisive for your business.
Liveness
Step one:
Liveness confirms a real person is present at capture time.
Multi accounts 1:N
Step two:
Multi accounts 1:N performs a segmented biometric search across your base, cross-referencing the received face against all records in the same segment. If the biometric is already linked to a different account — it's flagged instantly.
What it catches
Multi-Accounting
One bad actor, many accounts. Blocked at the biometric level — no document forgery can bypass it.
Bonus Abuse
Users creating multiple accounts to claim welcome bonuses repeatedly. One Face, One Contract ends the loop.
Money Muling
Accounts opened across institutions to move illicit funds. Detected through cross-base biometric matching.
Bot-driven account creation
Mass account farming at scale. Liveness blocks non-human captures, 1:N blocks the duplicates that get through.
Trusted by 400+ companies across 25+ countries.
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Smart revalidation
Adaptive re-authentication throughout the user lifecycle, from silent to biometric.
Card not present verification
Secure CNP payments with identity, card ownership, and behavioral signals.
Fraud risk level detection
Behavioral fraud detection at sign-up, before the account even.
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Unico is the only identity network that replaces uncertainty with conviction, friction with seamless journeys, and risk with partnership.