In-App Verification | Mobile Strong Authentication

Mobile Strong Authentication

In-app verification for mobile apps. Stop fraud at the moment it matters

High-risk actions, payments, withdrawals, account changes, are where fraud peaks. Authsignal's in-app verification silently confirms every sensitive action is coming from the user's registered device. No SMS codes. No redirects. No drop-off. Strong customer authentication that never costs you a conversion.

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Secure high-risk actions without leaving your app.

In-app verification is a form of strong mobile authentication that challenges users to prove possession of their registered device before completing a sensitive action, a payment authorisation, profile change, or fund transfer.

A private key stored in the device's secure enclave signs every challenge cryptographically. No codes are sent. No app switching happens. Your users barely notice, and fraudsters can't replicate it from a stolen credential alone.

Deploy it in hours using Authsignal's Mobile SDK, and trigger step-up authentication only when your adaptive MFA rules engine says it's needed.

How In-App Verification Works

Three steps. Minimal engineering lift. Production-ready.

Key features

Eliminate device-based account takeover

Even with stolen credentials, attackers can't complete high-risk actions from an unregistered device. Private keys are bound to the device and never leave it.

Keep your conversion rates intact

Silent in-app verification adds no visible friction for legitimate users. No switching apps, no waiting for a one-time passcode, no drop-off.

Reduce unnecessary challenges with adaptive MFA risk scoring

Trigger mobile step-up authentication based on transaction velocity, value thresholds, behavioural signals, or custom risk scores, so low-risk actions stay fast.

Own the entire user experience

Build your own challenge UI using the Mobile SDK. Present a biometric prompt, PIN screen, or custom dialog. Authsignal handles the cryptography, you control the experience.

One mobile authentication SDK. Every platform.

Full support across iOS, Android, React Native, and Flutter with a single consistent API.

PSD2, RMiT, and PCI DSS — strong customer authentication, built in

Device-bound cryptographic verification can be used to satisfy requirements under under PSD2, RMiT, and PCI DSS, with a full audit trail built in.

Code Preview

Add silent step-up authentication to your mobile app in minutes.

View the mobile SDK documentation

Three API calls. Full cryptographic step-up authentication. No OTP infrastructure to maintain.

// iOS: Enroll a device credential
await authsignal.inapp.addCredential(token: "eyJhbGciOiJ...")

Verify a high-risk action in-app

// iOS: Set the challenge token returned from your backend
authsignal.setToken(token: "eyJhbGciOiJ...")

// iOS: Silent step-up authentication
let response = await authsignal.inapp.verify()
let token = response.data?.token

Validate the challenge server-side

// Node.js: Complete strong authentication
const response = await authsignal.validateChallenge({
  action: "authorizePayment",
  token: "eyJhbGciOiJIUzI....",
});

if (response.state === "CHALLENGE_SUCCEEDED") {
  // Cryptographically verified, proceed
}

“Implementing FIDO authentication through Authsignal has been a game-changer for our members’ digital experience. It’s secure, seamless and sets a new standard for trust in online banking.”

Herb Wulff, Treasury and Agency

Banking Manager, First Credit Union

5.5

Uplift from first credit union’s Global Payments Infrastructure

Uplift from Adaptive Acceptance

Add other statistics related information for first credit union

Your users shouldn't feel your security controls. Your fraud team should.

Add cryptographic in-app verification to your iOS, Android, React Native, or Flutter app and stop high-risk action fraud without adding friction to your best customers.

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Meets PSD2 SCA, RMiT, and PCI DSS possession requirements. Talk to our team for jurisdiction-specific guidance.

Frequently asked questions

What is in-app verification?

In-app verification is Authsignal's cryptographic mobile authentication method for securing high-risk actions, payments, withdrawals, account changes, directly within your iOS, Android, React Native, or Flutter app. Unlike SMS OTP or email-based MFA, it requires no code entry. The device's private key silently signs a challenge server-side.

Can I add in-app verification to an existing mobile app?

Yes. The Authsignal Mobile SDK is designed to drop into existing iOS, Android, React Native, and Flutter apps without replacing your current identity provider. You can be in production within a day.

What's the difference between in-app verification and push verification?

Push verification delivers a notification the user taps to approve, useful when they're outside your app. In-app verification happens silently within the app, with no notification required. It's the better choice when users are already inside your product completing a high-risk action.

Does the private key ever leave the user's device?

Never. The private key is stored in the platform's native secure storage, iOS Secure Enclave or Android Keystore. Only the public key is registered with Authsignal.

Can I use in-app verification with my existing identity provider?

Yes. Authsignal integrates with Auth0, Amazon Cognito, Azure AD B2C, Keycloak, and more. No migration required.

What happens if a user gets a new device?

Authsignal's enrollment lifecycle API lets you manage credential registration, re-enrollment, and revocation programmatically, so you stay in control of which devices are trusted.

Can in-app verification be used to satisfy strong customer authentication (SCA) requirements?

Yes. Cryptographic, device-bound verification can be used to meet possession-based SCA requirements under PSD2, RMiT, and PCI DSS, including device binding mandates. Talk to our team for jurisdiction-specific guidance.