# From Trust Risk to Trusted Growth: How Acorns Can Strengthen Fraud Defense and Fuel Smarter Expansion

## Growth Demands Trust. Identity Infrastructure Makes It Scalable.

Incode can help Acorns stop fraud, reduce onboarding friction, and drive secure growth with a fully proprietary, real-time identity verification platform.

## **The Problem: Fintech Growth Comes with High-Stakes Identity Risk**

With phishing, synthetic IDs, and ATOs on the rise, platforms like Acorns face a new challenge: scale onboarding without exposing users—or the brand—to evolving threats. Traditional ID stacks built on third-party tools are too slow to adapt.

## **The** Solution **: Incode Combines Security, Speed, and Ownership in One Identity Layer**

**One Identity Platform. Zero Third-Party Limitations.**

Our AI-driven platform replaces fragmented vendor chains with seamless, in-house control—powering verification, compliance, and fraud prevention from a single stack.

##### 3-second onboarding with deepfake-resistant liveness

##### Proprietary face + document recognition

##### Behavioral risk signals to detect ATO patterns

##### Configurable workflows based on user risk level

##### Full control over fraud models, 
no licensing lag

## How Acorns Can Turn Identity Into a Growth Engine

1. **Increase Conversion, Especially Among First-Time Investors**  
   Fast, intuitive verification with invisible biometrics and fewer false declines.

2. **Prevent ATOs Without Slowing Trusted Users**  
   Biometric rechecks and behavioral signals secure high-risk actions in real time.

3. **Simplify Identity Compliance and Scale Confidently**  
   Audit-ready workflows, sanctions screening, and fraud detection in one secure platform.

## What Fintechs Like Acorns Gain with Proprietary Identity Infrastructure

- 83% reduction in abandonment rates from false declines  
- 72% drop in account takeover events after biometric re-auth  
- 94% verification accuracy within 60 seconds  
- 29% lift in pass rates for first-time investors

## **Identity Drives Trust. Trust Drives Growth.**

Incode can help Acorns protect users and accelerate growth with secure, owned identity infrastructure—built to evolve as fast as fintech does.

### Secure Your Growth with Incode

The next generation of fraud is already here. Let Incode help you stop it before it stops your growth.

Why Incode?
\> Preserve Privacy with 100% Automation  
\> Process Decisions with Lightning Speed  
\> Guarantee Accuracy with continuously advancing AI/ML