Overview
ID.me’s Digital Wallet and Credential Broker allow over 100 million Americans to reuse verified credentials across ID.me’s trusted network—streamlining authentication and accelerating onboarding.
Key capabilities
Single sign-on with verified credentials
One login event gives users access to identity proofing, MFA, and credential validation. Existing credentials can be reused, reducing friction and time to access.
Branded identity provider integration
Easily upgrade your current login system by adding ID.me as an identity provider, giving preauthenticated users seamless access in seconds.
Policy-based access control
Align all login options with a uniform level of trust using configurable policies that support NIST SP 800-63-3 standards.
Advanced fraud prevention
ID.me’s Identity Gateway includes AI-driven fraud detection, dark web monitoring, and machine learning tools to identify threats before they impact users.
Multi-factor authentication (MFA)
ID.me offers a certified MFA suite aligned with NIST 800-63-3B AAL2, providing secure, flexible options including:
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Call to Landline MFA
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FIDO2 unphishable tokens
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Face liveness and 1:1 selfie matching
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Phone verification
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Document authentication
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Human review for edge cases
Policies
ID.me offers a variety of policies tailored to your specific use cases that allow you to authenticate customers while reducing friction across all of your platforms.
Identity verification
ID.me performs federated login, identity proofing, MFA, and attribute validation based on your authentication policy. Its intelligent policy engine reduces friction by skipping redundant steps and triggering step-up authentication only when needed.
Best for experiences with low fraud risk, such as those with in-person components. Verification uses one strong factor, like document or telecom verification.
Designed for use cases with medium to high fraud risk in competitive markets. Fortified Identity offers higher assurance than traditional methods by verifying two strong pieces of evidence, balancing security with a smooth user experience.
Ideal for high-trust scenarios, IAL2 increases user adoption, reduces false negatives, and detects fraud using NIST-compliant methods. It replaces KBA with device and biometric verification and includes an option for virtual proofing with an ID.me Trusted Referee.
