Incode Sets New Security Benchmark with Flawless AI Identity Test

SAN FRANCISCO, CA – March 02, 2026 – In an industry grappling with an explosion of AI-driven fraud, identity security firm Incode Technologies has set a new high-water mark for digital trust. The company announced it is the first to achieve iBeta’s highest level of security certification for its facial verification technology on both iOS and Android devices, doing so with a perfect score.

The achievement, a Level 3 Presentation Attack Detection (PAD) conformance, signifies that Incode’s system can thwart the most sophisticated impersonation attempts—from hyper-realistic 3D masks to AI-generated deepfakes—without a single error. This breakthrough addresses a critical dilemma for global businesses: how to implement ironclad security without frustrating legitimate customers with cumbersome verification processes.

The New Gold Standard in Digital Trust

The certification was awarded by iBeta, an independent, accredited testing lab, under the globally recognized ISO/IEC 30107-3 standard. Level 3 PAD testing represents the most rigorous evaluation available, a standard developed in mid-2025 specifically to counter the escalating threat of advanced, AI-powered spoofing attacks.

During the evaluation, Incode's passive liveness technology was subjected to 900 separate, sophisticated attack attempts across both iOS and Android platforms. These weren't simple printed photos; testers simulated well-resourced attackers using specialized fabrication techniques and hyper-realistic masks designed to mimic human skin and facial contours.

"iBeta Level 3 is designed to simulate well-resourced attackers using hyper-realistic masks and specialized fabrication techniques intended to challenge modern biometric systems," said Evan Call, Business Development Manager and Director of Biometrics Sales and Marketing at iBeta Quality Assurance.

The results were flawless. Incode reported a 0% Attack Presentation Classification Error Rate (APCER), meaning none of the 900 spoofing attempts successfully fooled the system. Crucially, it also achieved a 0% Bona Fide Presentation Classification Error Rate (BPCER), indicating that no legitimate users were incorrectly rejected during the test. This perfect score demonstrates an ability to distinguish friend from foe with unparalleled accuracy.

Combating an Unprecedented Wave of Digital Fraud

This technological milestone arrives at a critical moment. The digital economy is under siege from increasingly sophisticated fraud. In 2024 alone, American adults lost an estimated $47 billion to identity fraud and scams, while the total global cost of cybercrime soared to over $10.2 billion. The rise of accessible AI has armed fraudsters with powerful new tools, making attacks more scalable and harder to detect.

Synthetic identity fraud—where criminals create entirely new identities by combining real and fake information—has become the fastest-growing category of financial crime. Meanwhile, deepfakes and AI-driven impersonation attempts are no longer theoretical threats, with nearly half of all companies reporting incidents involving them in the past year. This onslaught forces businesses to walk a tightrope, balancing the urgent need for stronger security against the risk of alienating customers. Overly complex security checks can lead to high abandonment rates during onboarding, directly impacting revenue and growth.

The need for a new generation of security that is both robust and unobtrusive has never been greater. Independent, third-party validation at the highest possible level helps organizations navigate a confusing market of vendor claims and identify solutions proven to withstand real-world, advanced threats.

Solving the Security vs. Experience Dilemma

For years, the industry has treated security and user experience as a trade-off. Stronger security often meant more "friction"—more steps, more challenges, and more potential for user frustration. Incode’s achievement challenges this paradigm by pairing its Level 3 security with a completely passive liveness detection system.

Unlike active liveness methods that require users to perform specific actions like blinking, smiling, or turning their head, Incode’s technology works with a single, standard selfie. The verification happens seamlessly in the background in a matter of seconds, creating a fast and intuitive experience that minimizes the chance of a user dropping off.

"We are the first company to independently achieve iBeta Level 3 conformance on both iOS and Android – with zero errors and without adding friction to users," said Ricardo Amper, Founder & CEO at Incode. "That combination matters. It proves we can meet the highest bar for liveness assurance while keeping onboarding fast and easy, even in regulated and high-risk environments."

This ability to deliver top-tier, independently-verified security without compromising the user journey is a significant competitive advantage. It allows banks, fintechs, and marketplaces to protect their platforms from multi-billion dollar fraud threats while simultaneously optimizing conversion rates and building customer trust.

Raising the Bar for the Entire Industry

Incode's perfect score on the industry's toughest test sets a new benchmark for identity verification providers. This achievement is the culmination of a multi-year effort, building on the company's previous iBeta certifications for Level 1 in 2019 and Level 2 in early 2023. This progression demonstrates a sustained commitment to staying ahead of evolving fraud tactics.

The company already powers identity verification for a significant portion of the global economy, including 8 of the top 10 U.S. banks and 4 of the top 5 global marketplaces, having processed more than 7.1 billion trust checks to date. For these high-scale organizations, the assurance provided by a flawless Level 3 certification is not just a technicality—it's a critical component of risk management and customer trust.

As digital interactions become the default for everything from opening a bank account to accessing government services, the need for a reliable and secure method of proving "liveness"—that a real person is present—has become foundational. By proving its technology can withstand the most advanced attacks on the most common mobile platforms, Incode has not only validated its own solution but has also raised the standard of expectation for the entire digital identity ecosystem.