Human verification and authentication for fraud prevention.

When account activity raises doubt, Obrize aims to help fraud teams check whether the person present is the legitimate account holder.

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The problem

A face and a voice used to be proof.
AI made them cheap to fake.

In 2024, a finance worker at Arup wired $25 million after a video call with the company's CFO and colleagues. Everyone else on the call was a deepfake. Every trust check your team uses was built for a world where faking a person was expensive.

Human presence

Is a real person here?

AI agents and social engineering bots can make an automated interaction seem human. The first check is whether a real person is actually present.

Account connection

Is this the right person?

A real person can still be the wrong person. The next question is whether they are the legitimate account holder.

Your decision

What should happen next?

Your platform decides whether to allow an action, ask for more evidence, or escalate.

Our proposed approach

More confidence.
At the moment it matters.

An additional verification layer for the moments your existing checks leave unresolved.

01
Start with a trusted account connection
Establish how the legitimate account holder was enrolled. A weak enrollment or recovery process cannot become reliable just by adding a human-presence check.
02
Request a check when doubt arises
Your platform would request additional verification for a suspicious session or sensitive account change. The verification method will be shaped by customer research.
03
Use the evidence in your existing workflow
The proposed integration would return verification evidence for your risk team or rules to assess. Inconclusive results need a clear review path.

Where we are starting

The cases that need a closer look.

We want to understand these workflows from fraud operations, identity, and risk teams at banking and payments platforms.

Suspicious account access

When a valid login still leaves doubt about who is using the account.

Account recovery

When a caller has the right voice, the right face, and the right answers, and is still not the account holder.

Sensitive account changes

When a new device, changed details, or unusual activity calls for another check.

Questions, answered

Be precise about trust.

Is Obrize available today?

How is this different from CAPTCHA?

Does a passkey prove who someone is?

Would Obrize replace our identity and fraud tools?

Would Obrize store financial information or move money?

Do people have to give up their privacy?

Obrize is an early-stage product in customer discovery. The workflows on this page describe our proposed direction, not a production service or validated fraud-prevention results.

CAPTCHA focuses on distinguishing people from bots. Obrize is exploring the harder question of whether the person present is the legitimate account holder. Human presence alone cannot establish that relationship.

A passkey can demonstrate control of an enrolled credential. The confidence you can place in that connection depends on enrollment, account recovery, and your identity assurance process. It does not independently prove legal identity or that a person is free from coercion.

Our proposed role is to complement existing authentication, identity, and fraud workflows when they leave uncertainty. Your platform would retain the decision about access and financial actions.

Obrize is not a payment processor and does not move money. Our design goal is to keep account balances, payment details, and financial records with your platform while sharing only the minimum evidence needed for verification. The data model and retention requirements are still being defined.

No. Our goal is to confirm the right person is present without building a store of faces, voices, or ID documents. The data model is still being defined.