The Problem
Banks and fintech apps are under siege from AI-powered fraud:
Deepfake video calls breeze through selfie-KYC checks.
AI-generated documents (utility bills, pay stubs, bank statements, etc) slip past manual reviewers.
Synthetic identities & bot farms open dozens of accounts, drain sign-up bonuses, and launder funds.
Traditional KYC adds friction for genuine customers yet still lets sophisticated forgeries through.
The Solution
Traditional KYC demands document uploads, selfies, and waiting periods; Proof of Humanity replaces that friction with a fast check that simply verifies the user is a real person:
Live biometric check - a quick palm scan issues a privacy-preserving credential that proves the applicant is a single, living person.
Document-free validation - banks ask for the credential, not a photo of a passport or bill.
One person, one account - Sybil networks can’t mint duplicate credentials, shutting down bonus abuse and mule creation.
Privacy first - lenders learn only what they need ("real person, over 18, resident in X") without storing sensitive files.
How It Works
One-time enrolment - The customer self-verifies with Humanity Protocol, receiving a palm-backed Proof-of-Humanity credential.
Seamless sign-up - At onboarding, the banking app requests the credential and instantly confirms "human, unique, eligible."
Ongoing trust - The same proof secures large withdrawals and other high-risk actions - deepfakes and fake docs fail every time.
User-controlled data - The credential lives in the customer’s wallet; the bank never stores biometric images or paper scans.
Benefits & Results
Fraud cut at the source - deepfake video, synthetic docs, and duplicate accounts are blocked.
Faster onboarding - seconds, not days, with no document upload queues.
Lower compliance costs - cryptographic proof replaces manual reviews and storage.
Better customer experience - real users sail through; bad actors hit a wall.
Portable identity - customers reuse the credential for loans, wallets, or partner services.
