Following an integration completed in just five days, the digital wallet and the IDTech leader lay out their framework for optimizing user acquisition while maintaining absolute fraud prevention.
SÃO PAULO, March 19, 2026 – Unico, Latin America's leading identity verification network infrastructure, and 99Pay—the high-growth digital wallet platform of tech giant 99—took the stage at Febraban SEC 2026 to reveal how their partnership enabled the seamless identity verification of 25 million users. By pairing advanced biometric orchestration with a frictionless user experience, the companies successfully processed 99Pay's massive user base with a 99% match accuracy rate without exposing the platform to transaction risk. Following their initial rollout in December 2025, both technology leaders confirmed plans to expand the partnership into international markets.
The operational architecture was detailed during the panel "From Friction to Conversion: The Authentication Strategy That Accelerated 99Pay," featuring Alexander Linhares (Customer Success and Solutions Director at Unico), Lucas Paziani (Risk Manager at 99Pay), and Luis Zan (CRO at 99Pay).
According to Linhares, the global surge in sophisticated, generative AI-driven exploits over the past 24 months has forced identity networks to evolve. Unico has countered this threat by embedding multi-layered deepfake detection directly into the onboarding workflow, fusing high-security identity assurance with high-conversion business goals.
Managing a user base of 25 million active accounts, 99Pay executed an exhaustive historical backtest prior to deploying the technology. Once cleared, the integration of Unico's facial biometrics into the 99Pay digital account platform was completed in a record-breaking five business days.
The subsequent database reprocessing achieved a 99% accuracy threshold, underscoring the massive scale of Unico's network. Unico's identity infrastructure handles over 1 billion authentications annually and already holds verified credentials for 9 out of 10 working adults in Brazil.
"Unico's security architecture allowed us to harden our liveness detection and dynamically route verification pathways without introducing a single drop of friction into the user experience," stated Luis Zan, CRO of 99Pay.
The panel also highlighted the critical business impact of the False Rejection Rate (FRR)—a technical metric where legitimate users are mistakenly blocked, directly draining potential platform revenue.
Lucas Paziani noted that the weaponization of generative AI—especially against traditional liveness detection checks—demands an advanced approach that couples behavioral telemetry with device-level signals.
"The modern user journey must be completely digital, because the modern consumer is digital. The answer isn't to erect unnecessary security walls; it's about recognizing the legitimate user with absolute precision and letting them transact instantly," Paziani added.
99Pay emphasized that scaling its active user base and sustaining its current growth trajectory is directly linked to the maturity of its Know Your Customer (KYC) engines, including continuous account management and device-change authentication. Today, 99Pay ranks among the top three fastest-growing digital account onboarding operations in the country.
Unico is the leading identity verification network in Latin America, and a global provider of trust infrastructure. By utilizing proprietary technology biometrics and machine learning, Unico eliminates fraud and secures digital transactions for a safer, more efficient world. For more information, visit www.unico.io.
99 is a leading technology company that delivers convenience and digital mobility solutions for millions of users. As a core division of the global company DiDi Chuxing ("DiDi"), the platform connects millions of consumers to financial services and smart urban mobility across Brazil.
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