Prove

Deterministic identity is how the chief executive frames it, and the load bearing assets bear that out: a registry of identity tokens, cryptographic proof of device possession and telecom facts on number tenure and SIM changes. Learned components sit at the edge, in behavioral signals and the newer agentic suite, so possession checks and the registry would survive without models.

A determination goes back to the institution and Prove stops there, opening no account and generating no filing, while the agentic suite verifies agents rather than acting as one. The Prove Global Fraud Policy resolves signals into a single pass or fail that invites straight through wiring, with no override path or manual review route published.

Fraud reduction is stated as 75 percent relative to attack rate, acknowledging a baseline, alongside an 87 percent instant verification success rate. False positive and false negative rates, recall on a known fraud set and model documentation for a bank's identification program are unpublished.

Brandt Smallwood, president of Bilt Rewards, reports the Bilt Mastercard reaching a 90 percent pass rate on card applications with implementation in 48 hours. A Visa partnership claims onboarding up to 79 percent faster, and the bank and brand counts vary across its pages.

Signed consent bound into an identity token travels with every agent action, so authorization can be checked from the token rather than a vendor log. Whether verification outcomes or behavioral history train models for other customers is not stated, though Prove says its foundation compounds with every interaction.

Identities are held as tokens and verified fields return only after explicit consumer consent, backed by a privacy notice, a data rights portal and a do not sell route under Californian law. Nothing describes the legal basis for carrier data reaching Prove or what consumers were told, and the Gramm Leach Bliley Act (GLBA) is not addressed.

Seven unlabeled badge images sit in the footer, and bank grade security is claimed, but no framework, certification or trust center is named in text. Large bank customers will have reviewed its controls, though that review is not published.

Customer identification and taxpayer identification rules, stablecoin legislation and deposit insurance guidance appear in its material, and no financial authorization is claimed, as expected for a supplier. It never addresses whether it acts as a consumer reporting agency when telecom and public record signals inform account decisions.

The model rewards a long tenured mobile account in a person's own name, so young people, prepaid users and those on a family plan in someone else's name are likely to fail more often, a group that overlaps with people underserved by banks. Pass rates by tenure, line type or age go unpublished, and its financial inclusion writing addresses access in general, not its own checks.

Terms of service are published, but no warranty, indemnity, liability cap or service level credit is published for a verification. Its Global Fraud Policy is an internal decision engine and transfers no risk to Prove, whatever the name suggests.

Inputs are described by category, from SIM and device trust to bank and public records, and credential exchange partners such as Aeropay and Checkr are named. No carrier or aggregator behind the telecom signal is named, nor any model provider for the agentic suite.

Full API documentation at developer.prove.com, client and server SDKs and a public code repository sit beside listings on AWS Marketplace and the Temenos Exchange. Jack Henry, Backbase and Alloy are named partners, and older interfaces received fraud policy output without integration changes.

Hosting region, tenancy and end of contract handling for tokens and verification history go unstated, though the registry holds tokenized records for a very large share of United States adults. Research presences in Europe are not residency commitments.

Rates, units and contract terms go unpublished, though sanctions and politically exposed person screening is included at no extra cost and developers can open a free account before any sales contact. At its volumes, whether charges follow verification events, active users or modules decides the cost.

Nineteen of the top 20 United States banks are served, Bank of America and Synchrony among them, with separate lines for banking, fintech and lending, crypto and insurance, and material on stablecoins and payee verification. Presences in the United Kingdom and Brazil extend reach, while healthcare and gaming lines run on the same graph.