Use Cases
Transaction Fraud Prevention
Every transaction you protect with friction is a transaction your customer almost didn't complete. Every one you don't protect is a loss waiting to happen.
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What’s at Stake
The monetization trap
The highest-value moments in your user lifecycle — transfers, payments, withdrawals, purchases — are also the highest-risk. And the industry's default response has been to throw friction at them: step-up challenges, OTPs, security questions, manual reviews.
It works against fraud. It also works against your revenue. Users abandon mid-transaction. Support tickets multiply. Time-to-task stretches from seconds to minutes. You stop the attacker, but you also stop the customer — and the customer doesn't come back.
It works against fraud. It also works against your revenue. Users abandon mid-transaction. Support tickets multiply. Time-to-task stretches from seconds to minutes. You stop the attacker, but you also stop the customer — and the customer doesn't come back.
3x
More likely to switch to a competitor after severe transaction friction (Bain & Company)
-50%
Reduction in abandonment with Unico's adaptive revalidation
7x
Faster experience compared to traditional biometric challenges
The Unico Approach
Secure every transaction. Interrupt only when you have to.
Unico protects transactions by combining real-time behavioral intelligence with adaptive authentication — analyzing risk silently and escalating friction only when the context demands it.
The user who transfers funds every Friday from the same device gets approved in the background. The user who suddenly attempts a high-value withdrawal from a new location gets challenged biometrically.
Same security standard. Radically different experience.
The user who transfers funds every Friday from the same device gets approved in the background. The user who suddenly attempts a high-value withdrawal from a new location gets challenged biometrically.
Same security standard. Radically different experience.
Real-time risk analysis — Over 40 identity and behavioral data points analyzed instantly — device, location, transaction history, behavioral patterns. Anomalies are detected before the transaction completes.
Adaptive authentication — Three tiers of response calibrated to the risk level: silent approval for trusted context, passkey for moderate risk, facial biometric for high-risk actions. The right challenge, at the right moment, and nothing more.
Protected in your most critical moments
High-value fund transfers
Withdrawals and cash-out
Payment authorization
Investment or loan execution
Addition or modification of payment methods
Subscription or recurring payment setup
Cross-border transactions
Unico Proven At Scale
~90%
Transactions approved via silent or passkey — no user interruption
99.9%
Accuracy across all authentication methods
$7B+
In financial fraud prevented across Unico's platform last year
