Results at a glance
It’s about more than just a selfie—it’s about precision. It has to be fast, simple, and right the first time to protect 23 million lives.
99 Pay Leadership
TheContext: A Bank in Every Pocket
99 Pay (Didi) is redefining mobilityin Brazil by embedding a full-scale digital bank within its ride-hailing app.By offering 110% CDI returns and 1% cashback, the platform has become afinancial magnet. However, managing 23 million users in a volatile fraudlandscape required a security layer that could scale as fast as their 45%annual growth.
The Challenge: The Friction Paradox
In mobility and fintech, every secondof delay leads to user abandonment. 99 Pay faced a critical "FrictionParadox":
- The Threat: A sophisticated local fraud environment requiring robust biometrichurdles.
- The Bottleneck: Legacy authentication methods were too slow for a"tap-and-go" mobility app.
- The Goal: A "low-friction" gatekeeper that could recognize a faceas quickly as a user could book a ride.
The Solution: Modular Identity Orchestration
99 Pay integrated Unico’s facialrecognition technology to turn a security hurdle into a seamless "momentof truth."
The Implementation Blueprint:
- High-Velocity Migration: Millions of biometric records migrated in record-breaking time.
- Precision Capture: Implementation of AI-powered "blink-and-you-miss-it"facial biometrics.
- Ecosystem Harmony: A single identity layer protecting 99 Pay, 99 Mobility, and 99Food.
[Logic Flow] User Request (Pay via Pix / Book Ride) → UnicoID (Background Biometric Check) → Instant Approval (TotalTime: <1s)
The Impact: Security as a Growth Engine
- Massive Scalability: Unico’s infrastructure allowed 99 Pay to maintain its 45%year-over-year growth rate without increasing the manual review burden. Thesystem now handles 23 million users with zero downtime.
- High-Velocity Onboarding: By optimizing the capture process, millions of registrations werevalidated in record time. This ensures that "gamified" features—likeinstant Pix payments—remain addictive and friction-free.
- Fraud Precision: Beyond speed, the partnership improved the accuracy of identitycertainty, allowing 99 Pay to expand its financial offerings into higher-risksegments with confidence.
The Horizon: Co-Creating the Future
For 99 Pay and Unico, this foundationallows for a "frictionless market." By combining global AI with deeplocal expertise, they have proven that security doesn't have to be aroadblock—it can be the accelerator.
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