{"slug":"a-new-http-status-code-for-agent-identity-x401-heads-to-fido","citations":[{"url":"https://www.helpnetsecurity.com/2026/06/26/proofs-x401-establishes-an-open-protocol-for-ai-agent-identity-and-authorization/","committed_hash":"sha256:9ac19593b4b04fd91511fe82cfb17776aad4c2232f738b45b2e26fe652276a07","committed_hash_short":"sha256:9ac19593…52276a07","mime_type":"text/html","committed_at":"2026-07-27T03:00:19.357699+00:00","content_snapshot":"\n\n\n \n\n \n \n\n\t\n\n\t\n\tProof’s x401 establishes an open protocol for AI agent identity and authorization - Help Net Security\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\r\n\r\n \n\n\n\n\n\n\t\n\n\n\n\n\n

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Proof’s x401 establishes an open protocol for AI agent identity and authorization

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Proof has launched x401, an open, issuer-neutral protocol that lets any website or API ask for and verify the identity behind agents.

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With x401, a service can ask for the proof it requires: verified identity, age, membership, organizational affiliation, signing authority, proof of humanness, orf another trusted claim. The agent presents a compatible credential and authorization. The service verifies the issuer, claim, scope and action before proceeding.

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Identity establishes who or what an agent represents. Authorization establishes what it is permitted to do. x401 binds the two into proof and unlocks agents’ ability to act on people’s behalf.

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“AI is making actions and content effortless to generate. Trust will come from knowing who stands behind them,” said Pat Kinsel, CEO of Proof. “x401 gives every service a common way to ask for proof. Proof Digital ID gives people and organizations a high-assurance way to answer—with a signed record of who authorized what.”

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Open by design

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x401 is an open protocol allowing any conforming issuer to deliver x401-compatible credentials. Any agent can present them. Every service determines which claims, issuers and levels of assurance it will accept.

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That separation allows one protocol to support many forms of authority without forcing the internet to adopt a single identity provider or credential model.

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x401 was developed by Proof with technical contributors from leading payments, identity and AI organizations. The public specification, implementation materials, and complete contributor list are available at x401.id.

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Proof will submit x401 to the FIDO Alliance’s agentic authentication standards workgroup.

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Built to complete the agent stack

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x401 is designed to work with the protocols already emerging around agentic activity. In payments, x402 enables machines to make payments. AP2 and Verifiable Intent capture instructions and approvals in commerce. x401 now completes the missing link, when used together with these other protocols, agents can now pay, prove a person’s identity, and authorize specific actions.

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“x402 is the open standard that lets agents pay for web resources over HTTP with pay-per-request settled in stablecoins, with no accounts or API keys. Through Circle Agent Stack and USDC, which settles nearly all x402 volumes, Circle has been one of its core contributors. x401, built with Proof, pairs that with identity: x402 answers how an agent pays, x401 answers who it is. Those are the first two questions any agentic transaction has to clear, and now each has an open standard. Circle is proud to be an early adopter and co-endorser of x401,” said Gagan Mac, VP Product, Circle.

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Proof’s digital identity: A high-assurance identity that can sign

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Built on Verifiable Credentials, Proof’s digital identity is the inline implementation of OID4VC Issuance and Presentation, allowing people to verify their identity to an IAL2 standard and enroll just-in-time or instantly reauthenticate with a biometric. Developers request identity and Proof manages the complexity of who is enrolled vs not.

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Using selective disclosure and zero-knowledge proofs, someone can prove that they are verified, their nationality, over a required age or authorized to represent an organization without exposing their complete identity record.

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In addition to credential presentation, Proof’s platform supports transaction signing, producing verifiable records. The API supports signing authorizations like AP2 with Verifiable Intent and cryptographically binds a verified identity to any payment, transaction, or payload. Verifiable records prove who you are and what you’ve authorized, creating the evidence that every industry requires in the agentic era. U.S. law has recognized agreements made by electronic agents for decades. Proof provides what’s been missing: trustworthy proof of the person behind the transaction.

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Proof’s digital identity is backed by Proof’s Kantara-certified NIST IAL2 identity service and WebTrust-audited certificate-authority infrastructure. As a Certificate Authority that pairs a publicly trusted, audited certificate hierarchy with IAL2-grade identity proofing, Proof’s digital identity is the only legal credential that can secure everything a person signs, does in person, does online, or delegates to an agent.

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\n\n\n\n\n\n\n\n\n","snapshot_chars":83590,"live_check":"changed"},{"url":"https://www.proof.com/blog/the-fraud-files-agents-impersonation-and-the-identity-layer-nobody-built-july-2026","committed_hash":"sha256:513ef3a855c7764a1f529d3065c6e2400abf38c9500e8403da302e892cd1ab8d","committed_hash_short":"sha256:513ef3a8…2cd1ab8d","mime_type":"text/html","committed_at":"2026-07-27T03:00:19.424482+00:00","content_snapshot":"\nThe Fraud Files - July 2026 | Proof | Proof\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
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Proof launches identity infrastructure for the agentic internet
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The Fraud Files: Agents, Impersonation, and the Identity Layer Nobody Built | July 2026

The Fraud Files: Agents, Impersonation, and the Identity Layer Nobody Built | July 2026

AI agents are transacting on behalf of real people, on real payment rails, right now. The fraud ecosystem built around that fact is already operational, and this month's headlines show exactly how the attack surface is forming.
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Ray Hayes
July 13, 2026
\"The

AI agents are transacting on behalf of real people, on real payment rails, right now. The fraud ecosystem built around that fact is already operational, and this month's headlines show exactly how the attack surface is forming.

Prompt injection governs most agentic AI risk

OWASP's 2026 State of Agentic AI Security, published this month, reads very differently from its 2025 predecessor. The 2025 edition cataloged plausible threats. The 2026 edition catalogs CVEs, vendor advisories, and breach reports tied to nearly every category of agentic risk. One technique is at the center of most of them: prompt injection. OWASP maps prompt injection to six of the ten categories in its Top 10 for Agentic Applications. 

The root cause is architectural. Large language models treat the system prompt, the user's request, and any text retrieved from external sources as a single token stream. There is no reliable boundary between commands and data. Hostile instructions embedded in a document, a product listing, a calendar invite, or a web page carry the same authority as legitimate operator instructions, because to the model there is no structural difference.

The most concrete illustration of the supply chain exposure came in March, when a backdoored version of LiteLLM sat on PyPI for three hours and accumulated nearly 47,000 downloads. LiteLLM serves as the language model gateway for CrewAI, DSPy, Microsoft GraphRAG, and dozens of other agent frameworks. Every installation during that window pulled in a credential-harvesting package that required no further human direction to operate. 

OWASP's researchers describe the pattern as the "lethal trifecta": an agent that combines access to private data, exposure to untrusted content, and the ability to communicate externally can be turned into an exfiltration tool by a single injected instruction.

Trusted agents are being impersonated at scale

The agents driving legitimate commerce are themselves being spoofed. DataDome's AI Traffic Report, tracking nearly 8 billion AI agent requests across its network in January and February 2026, found that spoofing of recognized agents is widespread. Meta-ExternalAgent saw over 16 million spoofed requests in that two-month window alone. PerplexityBot carried a 2.4% impersonation rate across the same period.

The mechanism is straightforward. Merchants and platforms that accept trusted agent traffic extend preferential treatment or relaxed friction to recognized crawlers. Fraudsters build agents that present themselves as those crawlers to exploit the trust relationship. The agent receives the permissions extended to the legitimate one and uses them to extract pricing data, map inventory, probe for policy weaknesses, or initiate transactions.

This dynamic is not a niche edge case or an emerging concern. It is already operating at machine scale. The challenge it creates for platforms trying to facilitate legitimate agentic commerce is that the credentials being spoofed are behavioral and reputational, not cryptographic. There is no mechanism to verify that the agent presenting a recognized user-agent string actually is that agent.

Agentic payment rails launched with an empty identity slot

On June 10, Mastercard launched Agent Pay for Machines, a multi-rail service enabling AI agents and machines to initiate payments at machine speed, launching with more than 35 named partners across card networks, crypto-native platforms, and payment processors. Visa, Google, OpenAI, and Stripe have their own agentic commerce protocols in production or beta.

Every one of those specifications defers the same question to an entity not named in the document. Google's Agent Payments Protocol (AP2) states in Section 9 that the issuance of trusted identity keys is "a critical area for innovation" and explicitly "out of scope." Anthropic's Model Context Protocol authorization spec notes that the authorization server is "beyond the scope of this specification." Visa's Trusted Agent Protocol defers human identity verification to "context-specific" trust frameworks. 

The pattern is consistent: the rails were designed; the identity layer that should sit beneath them was designated someone else's problem.

The practical consequence is that every agentic transaction on every one of these rails lacks a cryptographic answer to the most basic question a merchant or financial institution should be able to ask: did a verified human actually authorize this?

Fraudulent storefronts are built to intercept agents

Palo Alto Networks Unit 42 published threat research in March documenting what indirect prompt injection against retail agents looks like in practice. The attack scenarios are operationally specific, and they are worth reading closely.

In the gift card theft scenario, a fraudulent deals aggregator site embeds a hidden instruction in its HTML. A shopping agent crawling for discounts ingests the instruction, which reprograms the agent's memory to append an unauthorized gift card to the final cart payload before checkout. The gift card is sent to the attacker's address. If the user's interface shows only a total price, the addition may not surface until the bank statement arrives.

In the returns fraud scenario, a product listing embeds instructions telling the agent to skip the return verification step and trigger an instant refund without a valid shipping confirmation. Unit 42 notes that organized crime groups running bot farms could initiate tens of thousands of fraudulent return events within a single hour, with the potential to deplete a retailer's cash reserves before a human reviewer begins their shift.

The World Economic Forum's 2026 Annual Meeting estimated that by 2028, one in four data breaches could result from AI agent exploitation. Bain projects that agentic AI will handle 15 to 25 percent of all e-commerce volume by 2030. The fraud surface being built right now is proportional to both of those numbers.

Agentic fraud is already a commercial product

At Money 20/20 in October, Nash Ali, head of operational strategy for Experian, told the room plainly: "We're sitting on the precipice now of another explosion in fraud with agentic AI coming our way." He cited FraudGPT, an AI-powered fraud tool available for a $1,400 annual subscription, as evidence that the infrastructure for AI-enabled fraud is already commoditized and commercially available. "It's no longer a human sitting and committing fraud on an individual basis."

The pattern OWASP documents reinforces this directly. In February 2026, the hackerbot-claw package exploited GitHub Actions misconfigurations across open source repositories. In March, it harvested a package maintainer's PyPI publishing token through a compromised CI pipeline and pushed two backdoored versions of a widely used AI framework directly to the package repository. No human direction was required after the initial launch. The fraud operation ran on its own.

Despite this, IBM data cited in OWASP's 2026 report found that only 37% of organizations have a policy in place to detect shadow AI. The regulatory environment is tightening around that gap: DORA requires a four-hour incident notification window, NIS2 requires a 24-hour early warning, and New York's RAISE Act sets a 72-hour reporting clock for frontier model incidents. Organizations are on the hook for agentic AI failures before most of them have even defined what those failures look like.

What these signals mean together

Prompt injection works because agents cannot verify the trustworthiness of the content they process. Impersonation works because there is no cryptographic mechanism to confirm that an agent presenting a recognized identity actually holds it. Agentic payment rails launched without specifying who issues the credential linking a transaction to a verified human. Fraudulent storefronts succeed because agents ingest instructions from poisoned sources with no way to distinguish manipulation from legitimate content. And fraud-as-a-service is thriving because attackers read the same protocol specifications, found the same empty slot, and built tools to exploit it.

The through-line across all five is the same: agentic commerce was built without an identity layer. The rails exist. The agents are transacting. The question of who authorized what, on whose cryptographic authority, with what verifiable chain back to a real human, remains unanswered in every major specification currently in production.

Proof built the identity layer the protocols are missing

Last week, Proof launched x401, an open HTTP protocol that fills exactly this gap. When a server requires identity, it returns a 401 response with an x401 challenge specifying the required credential type and the accepted issuer. The client, whether a browser, an SDK, or an AI agent runtime, presents a cryptographic credential proving that a verified human authorized the action and that the action falls within the scope that human approved.

The credential is Proof ID: a W3C Verifiable Credential issued after IAL2 identity proofing, signed by Proof's WebTrust-audited Certificate Authority, and bound to a key the user controls. When an agent acts, it presents a credential it inherited from the human who delegated to it. The server verifies the chain back to Proof's CA. 

There is no impersonation because the credential is cryptographically signed. 

There is no scope creep because the delegation mandate is encoded in the credential. There is no ambiguity about human authorization because the entire chain is independently verifiable.

x401 is an open protocol. The spec is published and the SDKs are available. The identity layer agentic commerce needs exists today.

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\"\"
Product & News

Proof and Enigma Partner to Launch a Verified Business Identity and Authorization Layer for U.S. Businesses

Every business needs to claim its identity online. We built the infrastructure to do it.\n
\"\"
Pat Kinsel
May 27, 2026
\"\"
Fraud

Salesforce Under Attack: What the ShinyHunters Breach Reveals About CRM Identity Risk

ShinyHunters stole 600,000 Salesforce records from a 7-Eleven franchisee. Here's what the breach reveals about CRM identity risk.
\"\"
Proof
May 27, 2026
\"\"
Product & News

A Better Way to Notarize, for Cohen & Fitch LLP and Every Client They Serve

Cohen & Fitch LLP is a New York civil rights firm. Their clients are navigating some of the hardest moments of their lives, and the last thing they need is friction around paperwork. So the firm built a notarization process that gives every client a real choice: come in person, handle it themselves through a local notary, or complete everything remotely through Proof on their own time.
\"\"
Proof
May 26, 2026
\"\"
Product & News

Verified Identities, New Closing Types, and Faster Document Prep. Here's What's New in May.

May's updates are focused on giving you more confidence and control at every stage of the transaction process. From a new verified badge that surfaces IAL2 verification status directly on identity profiles, to new transaction types for Title agents, to bulk sidebar actions that cut down document prep time significantly, this release is built to make your team faster and your transactions more trustworthy.
\"\"
Proof
May 26, 2026
\"\"
Fraud

The Fraud Files: Bank Insiders, BEC Billions, and the AI Threat to ACH Payments | May 2026

This month's fraud headlines read less like news and more like a preview of what happens when corporate ACH originators reach June 22 still exposed. Five signals, one through-line: authorized payments that should not have moved.
\"\"
Ray Hayes
May 22, 2026
\"\"
Hiring & Onboarding

The Interview Isn't Where Candidate Fraud Gets Caught

There is a documented case of a job applicant using deepfake technology to conduct a convincing interview for 70 minutes before being caught. That case gets cited as evidence of how good the fakes have gotten. But the more interesting (and maybe more important) thing it reveals is what had already happened before the call started.
\"\"
Lauren Furey
May 20, 2026
\"\"
Hiring & Onboarding

The Insider Threat Your Hiring Pipeline Was Never Built to Catch

Insider threat programs have long been a fixture at companies with high value assets. The threat model that justified that investment assumed a relatively targeted attacker: a nation-state, a competitor, or a sophisticated actor with a specific reason to come after that specific organization. That threat model is changing.
\"\"
John Heasman
May 18, 2026
\"\"
Fraud

The New Generation of Scattered Spider Is Turning Account Recovery Into a Seven-Figure Business

In 2023, a threat group called Scattered Spider dismantled two of the largest casino operations in the world. The next generation is now running seven figure scams, and they are actively targeting organizations across financial services, retail, hospitality, legal, aviation, technology, and academia.
\"\"
Winnie Jin
May 12, 2026
\"\"
Fraud

Real Names, Fake IDs, and a Bank Insider: The Massachusetts Fraud Ring That Beat Two Lines of Defense

A guilty plea in federal court last week pulls back the curtain on a coordinated bank fraud ring that operated across three states for more than two years. The scheme had two distinct vulnerabilities that let it run undetected. Both of them are solvable.
\"\"
Jessica Howe
May 8, 2026
\"\"
Technology

Agentic AI Needs Verifiable Records to Be Trusted

Logs and explanations are not enough. If agentic AI is going to operate in real world workflows, it needs verifiable records.
\"\"
Lauren Hintz
May 6, 2026
\"\"
Product & News

Proof Joins FIDO Alliance to Link AI Agent Actions to Verified Human Identity

As the only platform that can verify identity to NIST IAL2 and cryptographically bind it to agent activity, Proof brings a critical perspective to the standards defining how AI acts on behalf of humans.
\"\"
Proof
May 4, 2026
\"\"
Fraud

The Fraud Files: Fraud Rings, AI Scams, and the Signals to Watch | April 2026

Fraud trends rarely change all at once. More often, the signals appear gradually across research reports, news stories, and the operational reality of how organizations process digital transactions. Here are five signals from the past month that fraud and risk teams should be paying attention to.
\"\"
Ray Hayes
April 29, 2026
\"\"
Fraud

Wigs, Fake IDs, and $19.8 Million in Loans: What the NFL Impersonation Scam Means for Lenders

A former college football player disguised himself as three NFL stars to secure nearly $20 million in loans. The lenders who approved them had no reliable way to know the difference.
\"\"
Jim Schaffer
April 27, 2026
\"\"
Product & News

Built for How You Work | What's New at Proof in April

April's features are focused on speed and efficiency. From pre-built transaction templates to copy/paste shortcuts, self-serve plan upgrades, and smarter risk signals in Defend, here's what's new.
\"\"
Proof
April 21, 2026
\"\"
Fraud

The VINsanity Indictment and the Urgent Need for Banks to Adopt Real Identity Verification

Auto loan fraud is a serious crime that drives up costs for every honest consumer. It threatens the stability of lending institutions and undermines the digital economy. The VINsanity case illustrates the urgent need for better security across the industry.
\"\"
Jessica Howe
April 20, 2026
\"\"
Digital Identity

Why KYC Alone No Longer Stops Fraud (and What Comes Next)

KYC verifies whether customer information matches trusted data sources at onboarding. It confirms that a name, date of birth, or identification number aligns with existing records to meet compliance requirements. Modern fraud does not try to break that model. It works within it.
\"\"
Anna Scionti
April 13, 2026
\"\"
Fraud

The $17 Million Real Estate Fraud Case That Should Change How Title Agents Verify Identity

The U.S. Department of Justice charged 11 people in a sophisticated conspiracy targeting elderly homeowners. By stealing identities, these criminals secured millions in hard money loans against properties they had absolutely zero claim to.
\"\"
Kavya Qin
April 8, 2026
\"\"
Digital Identity

What the U.S. Can Learn from Sweden’s BankID

Identity fraud is rising in the U.S. due to fragmented verification. Learn why Sweden’s BankID model works and how Proof provides the cryptographic identity layer needed for high-risk digital commerce.
\"\"
Lauren Hintz
April 6, 2026
\"\"
Fraud

AI Is Industrializing "Pig Butchering." Can Dating Apps Still Prove Their Users Are Real?

The San Francisco Standard recently detailed a chilling evolution in the world of digital connection. "Pig butchering" scams, once the domain of low-level scripts, are now being powered by sophisticated generative AI. While the public focus is often on the devastating financial losses of the victims, there is a quieter, equally dangerous crisis unfolding for the dating platforms where these scams begin.
\"\"
Jessica Howe
April 1, 2026
\"\"
Digital Identity

23 NYCRR Part 500 Is a Regulatory Shift from Authentication to Attribution

NYDFS 23 NYCRR Part 500 signals a shift from authentication to identity attribution. Learn why financial institutions must now provide verifiable, digital evidence.
\"\"
John Heasman
March 30, 2026
\"\"
Technology

Passwordless Security: Why the Future of Authentication Still Starts with Identity

For security teams and product teams alike, the appeal is straightforward. Passwordless systems reduce the risk of credential theft while also making login faster and easier for legitimate users. But removing passwords does not eliminate identity risk. It simply changes where that risk appears.
\"\"
Lauren Furey
March 25, 2026
\"\"
Product & News

Deepfake Detection, Persistent Identity, and More — What's New in March

This month's updates bring stronger fraud protection, faster identity verification, and more control for enterprise teams. From real-time deepfake detection in notary meetings to one-click identity reuse and new org management tools, there's something here whether you're running closings, preparing documents, or managing a multi-branch operation.
\"\"
Proof
March 23, 2026
\"\"
Product & News

Get Paid the Moment You Complete: Instant Payouts Are Now Available on Proof

Notaries on the Proof platform can now receive earnings directly to their Visa debit card — often within minutes of completing a session.
\"\"
Lauren Furey
March 19, 2026
\"\"
Real Estate

Proof surpasses $640 billion in real estate transactions

Rapid growth in residential real estate transactions on the platform indicates the industry is accelerating digital transformation to prioritize fraud prevention.
\"\"
Proof
March 17, 2026
\"\"
Legal

The President’s Executive Order Is a Win for Digital Closings

On March 13, President Trump signed an Executive Order to expand access to mortgage credit and address the regulatory barriers that have made buying a home harder and more expensive than it needs to be. We commend the administration for this leadership.
\"\"
James Fulgenzi
March 16, 2026
\"\"
Fraud

Account Recovery: The Security Risk Hiding in Help Desk Requests

Multi-factor authentication, fully-integrated identity providers, and passwordless logins have made it harder for attackers to break into enterprise systems using brute force. But attackers rarely attack the strongest defensive points directly. Instead, they look for the easiest path to gain access...account recovery workflows.
\"\"
Jeff Spencer
March 16, 2026
\"\"
Fraud

Hospice Scams: What They Are, How They Work, and What Legitimate Providers Must Do Now

Hospice fraud is not new. But in Los Angeles, the scale has reached a level that federal investigators describe as unprecedented.
\"\"
Courtney Leary
March 11, 2026
\"\"
Product & News

Proof and IDEMIA Public Security Partner to Deliver Privacy-Preserving Digital Identity Solutions for Trusted Interactions Across Physical and Digital Ecosystems

Proof, the trusted platform for securing the digital economy with cryptographically secured identity, and IDEMIA Public Security, a global leading provider of secure digital identity and trusted biometric-based solutions, today announced a strategic partnership to enable a trusted, broadly usable, privacy-preserving identity experience through a verifiable digital credential (VDC) that spans physical, logical ,and digital domains.
\"\"
Proof
March 3, 2026
\"\"
Technology

Identity Verification for SaaS: Why Authentication Alone Is No Longer Enough

For years, SaaS security has focused on authentication. But in 2026, that gap between authentication and real identity is becoming one of the biggest operational risks platforms face.
\"\"
Jessica Howe
March 2, 2026
\"\"
Digital Identity

Why Michigan’s Move Signals the Next Era of Identity Verification

Michigan recently updated its remote notarization standards to allow biometric authentication for identity verification, with clear guardrails in place. Their move from KBA to biometrics is not just about adopting new technology. It addresses foundational security gaps.
\"\"
Lauren Furey
February 26, 2026
\"\"
Financial Services

The $84 Trillion Wealth Transfer Is Exposing a Client Experience Gap

Roughly $84 trillion in assets is projected to transfer between generations over the next two decades. For wealth management firms, this creates both opportunity and exposure.
\"\"
Kris Singh
February 25, 2026
\"\"
Financial Services

Wealth Management Identity Verification: What Firms Need to Get Right in 2026

What wealth management firms need from identity in 2026: consistent verification, defensible authorization, and audit-ready records without adding client friction.
\"\"
Ray Hayes
February 23, 2026
\"\"
Real Estate

From Escrow to Closing: Securing Every Step of the Home Purchase Lifecycle

From escrow to closing, identity risk touches every moment that matters. Learn how title teams use layered verification to secure the full transaction lifecycle.
\"\"
Kavya Qin
February 19, 2026
\"\"
Digital Identity

Identity Verification for Subscription Platforms: Why Payments Tools Aren't Enough

Across subscription businesses, identity weaknesses are showing up as fraud losses, rising chargebacks, creator impersonation, regulatory pressure, and mounting operational strain. For platforms that touch adult entertainment in particular, those pressures are arriving faster and with higher stakes.
\"\"
Kris Singh
February 12, 2026
\"\"
Fraud

Top 10 Platforms Helping Credit Unions Fight Fraud in 2026

From account takeovers and synthetic identities to impersonation in contact centers and document tampering in lending workflows, credit unions are dealing with threats that traditional controls were not designed to stop. The strongest platforms today combine identity verification with fraud intelligence so credit unions can make confident decisions without adding friction for real members.
\"\"
Drew Sadik
February 4, 2026
\"\"
Digital Identity

What 2026 Market Conditions Say About The Future of Trust & Identity

Identity is now being treated as core infrastructure, and the market is responding accordingly. You can see it across three distinct areas, accelerating at the same time: government contracts, private investment, and state/federal policies.
\"\"
Jeff Spencer
February 2, 2026
\"\"
Digital Identity

If Your Game Has an Economy, It Has an Identity Problem

Gaming and gambling platforms are no longer just managing gameplay. They are managing economies, identities, and real financial risk. Fraud will continue to evolve. Bots will get smarter. Credentials will keep circulating. The platforms that stay ahead will be the ones that stop guessing and start verifying.
\"\"
Jessica Howe
January 28, 2026
\"\"
Hiring & Onboarding

How to Add Identity Verification to Your ATS Without Slowing Hiring

Integrating Proof with your ATS helps ensure that the person applying, interviewing, and onboarding is the same real human, without forcing teams or candidates into awkward workflows. It closes the identity gap that modern hiring fraud exploits.
\"\"
Lauren Furey
January 21, 2026
\"\"
Hiring & Onboarding

What HR Teams Are Seeing When It Comes to Candidate Fraud

Candidate fraud is already present in hiring processes. Most teams are not verifying candidate identities before making an offer. For HR leaders, the takeaway is not to overhaul hiring overnight or introduce unnecessary friction. It is to recognize that trust in hiring now requires identity verification at specific points throughout the process.
\"\"
Jeff Spencer
January 19, 2026
\"\"
Digital Identity

Identity On-Chain: What It Could Mean for Compliance, Trust, and the Future of Crypto

Identity on-chain, when approached as verifiable compliance rather than de anonymization, can help bridge the gap between regulators and innovators. Digital credentials, whitelisted wallet logic, and zero knowledge proofs are not silver bullets, but they are promising components of a more scalable and principled trust architecture.
\"\"
James Fulgenzi & Ray Hayes
January 14, 2026
\"\"
Digital Identity

When Ticketing Goes Digital, Identity Becomes the Risk Surface

Proof helps organizations establish trust at the moments in ticketing where proof of identity matters most.
\"\"
Drew Sadik
January 12, 2026
\"\"
Digital Identity

Top 10 Identity Verification Solutions to Consider in 2026

This guide breaks down what we think will be the top 10 IDV solutions that organizations will rely on in 2026. Each one approaches identity differently, from high-assurance proofing to global coverage, biometrics, risk analytics, or compliance-driven onboarding.
\"\"
Courtney Leary
January 8, 2026
\"\"
Technology

Medallion Signature Guarantees vs Remote Online Notarization: Different Tools, Different Risks

For organizations reviewing their workflows, the right question is not which stamp to choose. It is where each level of assurance is actually required, and where modern digital tools can reduce friction without weakening trust.
\"\"
Lauren Hintz
January 5, 2026
\"\"
Digital Identity

What 2025 Reminded Us About Trust

As we reach the end of 2025, one thing stands out. Trust can no longer be treated as a one-time decision. It has to persist across interactions, adapt to context, and hold up when decisions are questioned later.
\"\"
Darren Louie
December 29, 2025
\"\"
Fraud

Was This You? | The Everyday Moments Where Fraud Slips In

Today’s fraud doesn’t look like a crime scene. It looks like a normal workflow with one strange detail. These small, odd moments are where the biggest losses start - and they’re getting harder to catch with traditional tools.
\"\"
Jessica Howe
December 22, 2025
\"\"
Digital Identity

What is A Medallion Signature Guarantee?

Medallion signature guarantees were built for a world of paper certificates and in person processes. Modern identity assurance and digital notarization can complement these legacy tools. They can help organizations protect more of their workflows, support customers who expect digital experiences, and build better evidence about who signed what and when.
\"\"
Lauren Hintz
December 16, 2025
\"\"
Fraud

How Proof’s Layered Intelligence Model Outperforms Passive Fraud Detection 600 - 1,300% With Minimal Friction

Passive-only fraud modeling isn’t good enough to address modern threats. Learn how Proof's blend of passive, active, and identity network signals reduces fraud and outperforms industry benchmarks by as much as 13X.
\"\"
Sam Fields
December 12, 2025
\"\"
Hiring & Onboarding

Top 10 Candidate Fraud and Identity Verification Tools to Consider in 2026

This guide breaks down the top 10 candidate identity fraud and impersonation prevention tools that will lead the way in 2026.
\"\"
Lauren Furey
December 10, 2025
\"\"
Digital Identity

The Future of Digital Identity: Why mDocs, Verifiable Credentials, and DIDs Matter

Digital identity is entering a new phase. The decade ahead is about something deeper: trustworthy, portable, cryptographically verifiable identities that work across every workflow, every system, and every institution. mDocs, Verifiable Credentials, and Decentralized Identifiers are the core standards shaping that future.
\"\"
Lauren Hintz
December 9, 2025
\"\"
Digital Identity

Understanding Persistent Identity: How Trust Becomes Something You Can Reuse

Persistent identity gives organizations a reliable, reusable identity layer that works across workflows. It gives users a smoother experience without lowering security, and teams a clearer, more consistent identity signal to base decisions on.
\"\"
Anna Scionti
December 8, 2025
\"\"
Digital Identity

Introducing Persistent Identity: The Foundation of Repeatable Trust

Persistent identities allow individuals to verify their identities once, to a high-assurance standard (IAL2), and then save that identity on the Proof platform so they can quickly re-authenticate in future interactions using a simple biometric match. Now trust doesn’t have to be rebuilt from scratch. It can persist.
\"\"
Anna Scionti
December 2, 2025
\"\"
Financial Services

The Hidden Cost of Account Opening Rework (And Why It’s Time to Fix It)

Rework slows onboarding, drains advisor time, and chips away at client trust. Here’s what it really costs retirement firms and how modern identity fixes it.
\"\"
Ray Hayes
November 26, 2025
\"\"
Digital Identity

The Future of Digital Trust: Identity-Backed Interactions

As deepfakes, AI impersonation, and stolen credentials grow more common, familiar signals of trust like signatures, logins, or visual ID checks are no longer enough. Trust now depends on knowing that every interaction can be tied to a verified legal identity.
\"\"
Lauren Hintz
November 25, 2025
\"\"
Fraud

The Price of Trust: Why Fraud and Trust in Digital Business Are Inseparable

In business, trust has always been currency. In the digital economy, it has also become collateral. Every transaction, customer interaction, and data exchange now depends on a single premise: that the other party is who they claim to be. When that assumption fails, the damage does not stop at a breach. It ripples through every part of the business.
\"\"
Gary Weingarden
November 24, 2025
\"\"
Financial Services

From Days to Minutes: How Remote Online Notarization Is Transforming the Equipment Financing Industry

Manual notarization slows deals down. Teams chase signatures, wait for scheduling, and lose time to errors that surface right before delivery. With Proof, digitizing the entire customer journey from identity verification to notarizing documents results in a workflow built for today’s pace: fast for customers, transparent for teams, and secure from start to finish.
\"\"
Justin Rossi
November 19, 2025
\"\"
Product & News

Visa Ventures Invests in Proof

Today, we announce that Visa Ventures has made a strategic investment in Proof, deepening our shared commitment to securing the digital economy.
\"\"
Pat Kinsel
November 18, 2025
\"\"
Financial Services

The Top 9 Digital Transformation Solutions for Credit Unions in 2026

Digital transformation in credit unions has entered a new phase. Going digital isn’t enough anymore. The mission for 2026 is digital certainty: combining the speed and intelligence of fintech with the trust and protection your members expect.
\"\"
Winnie Jin
November 17, 2025
\"\"
Hiring & Onboarding

Hiring in the Digital Era: Why Identity Proofing Matters More Than Ever

In hiring, the question is no longer whether identity verification matters. It is how to do it well, without creating friction for legitimate applicants or deterring great talent.
\"\"
Ashley Bird
November 12, 2025
\"\"
Product & News

Looking Ahead: What’s Coming for Notaries Using Proof

Every year on November 7, we celebrate National Notary Public Day. It is a moment to recognize the essential work notaries do to uphold trust in everyday life. So our belated National Notary Public Day gift to you is an early look at what is coming next!\n
\"\"
Nicole Clark
November 10, 2025
\"\"
Product & News

National Notary Public Day: A Thank You, and a Simple Way to Earn More

November 7 is National Notary Public Day. To celebrate, we're sharing practical ways to grow reliable income right now. Not by working longer hours or compromising time with family, but by leveraging the professional relationships you've already built and nurtured.
\"\"
Nicole Clark
November 7, 2025
\"\"
Product & News

Gary Weingarden Joins Proof as Chief Privacy Officer

Proof, the leading identity authorization network, today announced that Gary Weingarden has been appointed as the company’s Chief Privacy Officer (CPO). Weingarden will lead Proof’s Global Privacy, Governance, Risk & Compliance (GRC), and Identity Standards & Governance programs, ensuring the company’s growing platform maintains its high standards for privacy, resilience, and compliance.
\"\"
Proof
November 6, 2025
\"\"
Real Estate

How to Migrate to a New Online Notarization Provider Without Disrupting Closings

Your first RON platform may have failed you — but RON didn’t. See how to transition to a better online notarization solution without slowing down closings.
\"\"
Justin Rossi
November 5, 2025
\"\"
Product & News

Money20/20 Recap: The New Standard for Trust

Money20/20 is always a pulse check on where financial technology is headed. Across payments, lending, banking, insurance, wealth, and digital assets, leaders told us the same thing: fraud is evolving faster than legacy defenses can keep up. The customer experience has become a differentiator, not a feature.
\"\"
Rebecca Olsho
November 3, 2025
\"\"
Hiring & Onboarding

Trust Doesn’t End on Day One: Continuous Identity for Ongoing Access

Onboarding is only the beginning of trust. After identity is initially verified and accounts are created, identity risk does not disappear; it changes shape.
\"\"
Darren Louie
October 30, 2025
\"\"
Digital Identity

The Evolving Landscape of Authentication

Authentication is the foundation of digital security. For years, that meant little more than a password. But as threats evolve and customer expectations rise, organizations are adopting smarter, more layered ways to verify identity. In this blog, we’ll break down five leading authentication methods: what they are, how they work, and how Proof helps organizations strengthen trust across every interaction.
\"\"
Lauren Furey
October 29, 2025
\"\"
Hiring & Onboarding

Inside the Interview: Building a Trust Framework for Remote Onboarding

By the time someone reaches the interview stage, your organization has already learned a lot about them on paper. The question that still matters most is the one technology alone can’t answer: is this person real? In today’s remote-first environment, that’s where risk shifts. The early filters may confirm skills and experience, but mid-funnel is where impostors try to slip through. It’s the moment when a legitimate process meets an unverified human — and where Proof keeps trust intact.
\"\"
Darren Louie
October 28, 2025
\"\"
Product & News

Next-Level Fraud Protection, Real-Time Control, and a Smoother Signing Flow

Protect your business from fraud, reduce operational overhead, and give users more flexibility—without sacrificing trust.
\"\"
Proof
October 27, 2025
\"\"
Legal

BSA for the Digital Age: Our Answer? A Policy Framework for Digital Credentials

Financial institutions spend billions annually verifying the same identities over and over. In our response to the U.S. Treasury's Request for Comment on Innovative Methods to Detect Illicit Finance in Digital Assets, we propose a solution: verify once, trust everywhere. Our framework doesn't just address digital assets—it reimagines Bank Secrecy Act (BSA) compliance for the entire financial system.
\"\"
James Fulgenzi
October 24, 2025
\"\"
Product & News

Proof Collaborates With Visa to Secure Digital Transactions

As EMV® Contact Chip cards secure in-person transactions, trusted identities will protect digital transactions.
\"\"
Proof
October 23, 2025
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