Drop-in passkeys and adaptive MFA for financial services.
SMS OTP is being downgraded, restricted, and banned. Authsignal drops in on top of your identity stack with passkeys, adaptive MFA, and omnichannel verification, live in weeks.
Different rules, different threats, one authentication layer.
Drop-in, no migration, no rip-and-replace
Add passkeys and adaptive MFA on top of Cognito, Azure AD B2C, Auth0, or any IdP. Your existing login flow stays intact.
Stop ATO without killing conversion
Adaptive rules engine detects risk signals and triggers step-up at the moment of threat, not on every login.
Meet the compliance deadline
NIST, PSD2/SCA, FFIEC, UAE OTP ban, BSP Circular 1213. Deploy compliant auth faster than your team can build it.
Verify customers everywhere they reach you
Web, mobile, call center, retail. Consistent identity verification at every touchpoint. No competitor owns this cleanly.
Why financial services authentication is different
Approval Required
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Challenge 01
High-value transactions demand step-up, not blanket MFA. Adaptive authentication at the moment of risk, not on every login.
Challenge 02
Regulatory pressure from every direction. NIST, PSD2, FFIEC, BSP, UAE OTP ban. Each market with its own deadline, each mandate slightly different.
Challenge 03
SMS OTP costs spiral with user growth. A 5M MAU bank spends US$350K to US$1M a year on SMS OTP alone. A 50M MAU remittance platform spends multiples of that.
Challenge 04
Contact centers still use knowledge-based authentication. Date of birth, last four of SSN, and mother's maiden name are all social engineering targets.
The regulatory landscape is shifting globally. Here's what financial services needs to know.
- NIST SP 800-63B-4, downgrades SMS OTP, formalises passkeys (US, live Jul 2025)2.
- UAE Central Bank, bans SMS/email OTP for all FIs (Mar 2026)
- PSD2/SCA, mandates strong customer auth for payments (EU/UK, tightening under PSD3)
- BSP Circular 1213, phishing-resistant auth for high-risk transactions (Philippines, Jun 2026)
- PSR SD20, APP fraud reimbursement, preventing fraud now cheaper than reimbursing (UK, live Oct 2024)
- India RBI, two-factor mandate (Apr 2026)
- Singapore MAS, SMS OTP phase-out (phased 2024 to 2026)
The financial services we help secure
Banking & Credit UnionsInsurance & WealthFinTech & NeobanksDigital Assets & StablecoinsPayments & Remittance
Banking & Credit Unions
Member-facing authentication at banks and credit unions hasn't kept pace with the threats or the mandates. FFIEC guidance expects phishing-resistant MFA. NCUA examiners are asking about passkey readiness. And contact centers are still verifying members with date of birth and last four of SSN, the same data available in every breach. Authsignal layers modern authentication on top of your existing core banking infrastructure without a platform migration.
Now has over 50% of member authentications on passkeys.
Layer on top of your core banking stack
Authsignal drops in on top of any identity provider powering your digital banking platform. Your existing login flows and member data stay intact. No re-platforming, no migration.
Prevent fraudulent claims and account takeover
The rules engine detects risk signals such as a new device, unusual location, or high-value claim, and triggers step-up verification before the action completes. No blanket MFA that punishes legitimate policyholders.
Prevent fraudulent claims and account takeover
NAIC data security model law, SEC Reg S-P, and state insurance data protection acts are raising the authentication bar. Authsignal delivers phishing-resistant MFA with full audit trails — SOC 2 Type II, ISO 27001, FIDO certified.
Verify customers in the claims contact centre
Claims adjusters and service agents verify policyholder identity with push or biometric authentication instead of knowledge-based questions. Faster claims processing, lower social engineering risk
Insurance & Wealth Management
Policyholder portals and wealth management platforms hold some of the most sensitive financial data in the industry, yet most still rely on passwords and SMS OTP. State-level data protection acts are tightening. NAIC model law adoption is accelerating. And fraudulent claims tied to account takeover are growing. Authsignal adds phishing-resistant authentication to policyholder and client portals without replacing your existing identity infrastructure.
Implemented device-bound passkeys across its operations in weeks, elevating security at scale without disrupting existing access.
Protect policyholder and client portals
Passkeys and adaptive MFA for policy servicing, claims submission, and beneficiary changes. Step-up authentication triggers at the moment of risk, not on every login
Prevent fraudulent claims and account takeover
The rules engine detects risk signals such as a new device, unusual location, or high-value claim, and triggers step-up verification before the action completes. No blanket MFA that punishes legitimate policyholders.
Meet state-level data protection mandates
NAIC data security model law, SEC Reg S-P, and state insurance data protection acts are raising the authentication bar. Authsignal delivers phishing-resistant MFA with full audit trails — SOC 2 Type II, ISO 27001, FIDO certified.
Verify customers in the claims contact centre
Claims adjusters and service agents verify policyholder identity with push or biometric authentication instead of knowledge-based questions. Faster claims processing, lower social engineering risk.
FinTech & Neobanks
Fintechs and neobanks move fast, until authentication becomes the bottleneck. PSD2/SCA mandates strong customer authentication for every European payment. State money transmitter licences require multi-factor. And every drop-off at onboarding is a customer your competitor acquired instead. Authsignal adds passkeys and adaptive MFA to your existing stack without slowing down the product team or re-architecting what's already live.
Deployed Authsignal to achieve PSD2/SCA compliance for its UK and EU operations — live in weeks, not the months their team had budgeted for a custom build.
Ship auth without re-architecting
Authsignal drops in on top of Auth0, Cognito, Keycloak, or whatever your identity layer runs on today. Pre-built UI components and SDKs mean your engineering team deploys in weeks, not quarters.
Protect conversion at onboarding
93% passkey sign-in success rate versus 63% for legacy MFA. 8.5-second passkey login versus 31 seconds with traditional methods. In a product where every onboarding drop-off is a lost customer, those numbers matter.
Meet compliance before the next funding round
PSD2/SCA, APRA/ASIC, state money transmitter licences — deploy compliant authentication faster than your team can build it. SOC 2 Type II and ISO 27001 remove the compliance question from investor due diligence.
Give product and fraud teams control
The no-code rules engine lets product managers and fraud analysts create, test, and adjust authentication policies without filing engineering tickets. If/then logic that anyone can manage.
Digital Assets & Stablecoins
Account takeover on a crypto exchange is irreversible. There's no chargeback, no dispute process, no bank to call. 88% of detected deepfake fraud targets crypto. VASP registration requirements, MiCA in Europe, and BitLicence in New York all mandate strong customer authentication and KYC controls. Authsignal adds phishing-resistant passkeys and adaptive step-up to your exchange or wallet platform without disrupting the trading experience your users expect.
(NZ/AU) secured its consumer exchange platform with Authsignal. Passkeys and adaptive MFA dropped in on top of the existing identity infrastructure with no disruption to the trading experience.
Stop account takeover where there's no undo button
Device-bound passkeys can't be phished, SIM-swapped, or socially engineered. Step-up triggers on withdrawals, transfers, and API key changes — the actions attackers actually target.
Meet VASP and MiCA compliance
Travel Rule compliance, VASP registration requirements, MiCA KYC mandates. Deploy compliant authentication and audit trails without building a custom solution. SOC 2 Type II, ISO 27001, FIDO certified.
Layer passkeys without disrupting trading UX
Authsignal drops in on top of your existing identity stack. Your trading UI, onboarding flows, and API integrations stay intact. Passkeys at login, step-up at withdrawal, and the user barely notices.
Protect against deepfake and social engineering attacks
Cryptographic authentication can't be spoofed by synthetic voice or generated video. As deepfake attacks accelerate in crypto, passkeys are the only authentication method immune to the threat.
Payments & Remittance
Payments and remittance platforms sit at the crossroads of every regulatory mandate in financial services: PSD2/SCA for strong authentication, the UK's PSR SD20 tying APP fraud prevention to cost, and the UAE's outright ban on SMS and email OTP. Customers transact across web, mobile, agent, and retail — all needing consistent identity verification. Authsignal drops into your existing payments infrastructure to deliver compliant, omnichannel authentication at remittance scale.
Deployed Authsignal's enterprise authentication on top of its existing identity infrastructure. Serving 50 million consumers and 400,000 merchants globally. No migration. No rip-and-replace.
Stop APP fraud without blocking legitimate payments
The rules engine evaluates risk signals such as new payee, unusual amount, flagged geography, and triggers step-up verification at the moment of threat. Legitimate transactions flow through. Suspicious ones get challenged.
Verify sender identity across every channel
Web, mobile app, agent-assisted, retail point of sale — one authentication layer with one set of rules across every touchpoint.
Meet PSD2, PSR SD20, and the UAE OTP ban
Strong customer authentication with dynamic linking for transaction signing. Full audit trails for every payment authentication event. BSP Circular 1213 compliance for Philippines operations. Deploy compliant auth faster than your team can build it.
Cut SMS costs at remittance scale
A 50M user remittance platform sends hundreds of millions of SMS OTPs per year. Passkeys have zero marginal cost. WhatsApp OTP reaches the same global user base at a fraction of the price. Authsignal's bring-your-own-SMS model means you keep your existing provider while migrating users to lower-cost channels.
Rules engine triggers step-up authentication for high-value payments, wire transfers, and account changes. Risk-based, not blanket MFA.
SOC2 Type II, ISO 27001, FIDO certified. Audit trails for every auth event. Deploy compliant auth in weeks, not quarters.
Replace knowledge-based authentication with push, passkey, and magic link verification. Agent-triggered, branded, compliant.
Move from SMS OTP to passkeys and WhatsApp OTP. Reduce authentication costs while maintaining your CSAT.
Frequently Asked Questions
Authsignal is a drop-in layer. It works on top of Azure AD B2C, AWS Cognito, Auth0, Keycloak, Ping, ForgeRock, or any IdP. Your core banking platform (Jack Henry, FIS, Fiserv) and existing login flows stay intact.
NIST SP 800-63B-4 (US), PSD2/SCA (EU/UK), FFIEC (US banking), UAE Central Bank OTP ban, BSP Circular 1213 (Philippines), PSR SD20 (UK APP fraud), and more. SOC2 Type II and ISO 27001 certified.
Authsignal uses MAU-based pricing. You pay for active users, not per-verification. A 5M MAU bank on a per-verification model pays US$350K to US$1M a year in SMS costs alone. Passkeys have zero marginal cost per verification.
Yes. Authsignal's architecture is IdP-agnostic and vertical-agnostic. The same drop-in layer works whether you're a credit union on Jack Henry, a neobank on Auth0, a crypto exchange on Cognito, or a payments platform on a custom stack.
Most financial services customers are live within 3 to 6 weeks. Authsignal's pre-built UI components, SDKs, and no-code rules engine mean deployment is configuration, not custom development.
