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  • Key capabilities
  • Single sign-on with verified credentials
  • Branded identity provider integration
  • Policy-based access control
  • Advanced fraud prevention
  • Multi-factor authentication (MFA)
  • Policies
  • Identity verification
Learn MoreDigital Wallet

Overview

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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:

  • Call to Landline MFA

  • FIDO2 unphishable tokens

  • Face liveness and 1:1 selfie matching

  • Phone verification

  • Document authentication

  • Human review for edge cases

Learn more

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.

Knowledge-based authentication replacement (KBA)

Best for experiences with low fraud risk, such as those with in-person components. Verification uses one strong factor, like document or telecom verification.

Fortified identity

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.

NIST IAL2

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.