# Betterment – Investing in Trust Starts with Smarter IDV

## Prevent Risky Onboarding Without Slowing Down Growth

Seamless digital onboarding shouldn’t come at the cost of security. Incode stops identity fraud from day one—without added friction.

## **The Problem: Legacy IDV Can’t Keep Up With Evolving Fraud in Wealth Platforms**

As investment platforms scale, they face rising threats—from synthetic identities to account takeovers. Yet many still rely on outdated verification flows, optional re-authentication, and slow manual review queues.

In 2023, synthetic ID fraud losses were estimated at $6.1B, with over 22% of U.S. adults reporting account takeovers.

**Learn why current IDV methods fall short**

## **The Solution: A New Standard in ID Verification—Fast, Proprietary, and End-to-End**

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

Incode delivers a full-stack onboarding experience purpose-built to detect fraud before it starts, cut manual delays, and simplify compliance.

##### Real-time fraud detection with weekly-updated AI models
##### No third-party dependencies—100% proprietary stack
##### Biometric intelligence from onboarding to re-authentication
##### Seamless orchestration of KYC, sanctions screening, and user monitoring

## How Leading Investment Platforms Protect Trust from the Start

1. **Stop Synthetic ID Fraud Before It Enters the System**

Instantly flag identity mismatches and suspicious patterns during onboarding—reducing false positives while increasing accuracy.

2. **Eliminate Account Takeovers with Biometric Re-Authentication**

Prevent impersonation and credential theft with behavioral analysis, device fingerprinting, and face liveness detection before any high-risk action.

3. **Simplify AML/KYC Without Manual Bottlenecks**

Go beyond CIP and outdated queues. Instantly screen for duplicates, suspicious behavior, and high-risk matches—ready for regulator review.

## Trusted Identity Verification With Measurable Impact

- 89% **reduction in synthetic identity fraud during account creation**
- 3x **faster onboarding for high-risk investment accounts**
- 72% **fewer manual document reviews**
- 99.99% **biometric match accuracy during ATO prevention**

## **Secure Onboarding Is No Longer Optional—It’s Your Competitive Edge**

Stay compliant, build trust, and scale securely with Incode’s real-time identity verification.

### 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