How Interac strengthens trust in Canada's digital economy with Incode
Interac, one of Canada's leading and most trusted financial brands, is working with Incode to strengthen identity verification across Canada's digital economy. Incode brings iBeta-validated passive liveness and Deepsight deepfake defense to Interac Verified, and Interac is the exclusive Canadian provider of document verification built on Incode's technology. Together, these capabilities can help Canadian businesses approve legitimate customers faster and catch bad actors earlier.
financial institutions connected to the Interac network
times a day Canadians choose Interac products, on average
errors in iBeta Level 3 liveness validation, on iOS and Android
The network Canadians rely on to move money and verify identity
Interac empowers Canadians to transact digitally with confidence, providing payment and value exchange services.
Canadian-owned and operated, with decades of experience delivering services at national scale, Interac is one of Canada's leading and most trusted financial brands, with security at the core of everything it does.
Interac's mission of confident digital transactions depends on knowing who is on the other side of the screen. Identity verification, delivered through the network that about 300 financial institutions already connect to, gives Canadian businesses that assurance at national scale.
Fraud has moved from stolen documents to fabricated identities
A digital-by-default economy only works if businesses can genuinely trust who is on the other side of the screen.
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01
Fabricated identities, not stolen documents
Generative AI makes synthetic faces, voices, and videos cheaper to produce, so a verification system built only to check a document against a face is no longer enough.
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The capture matters, not just the document
Systems must also detect the conditions under which a document was captured: AI-generated images and video, virtual camera feeds, and signs of device tampering.
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High stakes at every opening
Digital account openings, onboarding, credit applications, and other high-risk transactions are where getting identity verification right matters most.
Canadian businesses needed high-assurance identity checks at an accessible price, delivered through a network they already trust and rely on daily.
What Incode adds to Interac Verified
Interac is integrating Incode's capabilities directly into its existing document verification service, and holds exclusive Canadian rights to deliver document verification using Incode's technology.
Passive liveness, validated at the highest level
Incode is the first to achieve iBeta Level 3, the industry's highest certification standard. The check confirms a real person is present during verification, without adding friction for legitimate users.
Deepsight catches what older methods miss
Deepsight
Incode's intelligence orchestration layer runs multiple detection tests in parallel to catch AI-generated images and video, virtual camera feeds, and device tampering, surfacing sophisticated impersonation attempts that older verification methods miss.
Fraud network intelligence
Participating organizations can opt in to share network-level risk signals, helping the whole ecosystem spot emerging fraud patterns earlier.
An AI-powered document pipeline
Identity Verification
Incode's verification pipeline is integrated directly into the Interac document verification service, enhancing its existing ID capture and liveness capabilities.
Used together, these capabilities help organizations move customers through digital onboarding faster while reducing impersonation risk, and position Interac as the preferred domestic verification provider for Canadian businesses.
How it works
Built for how Canada verifies identity
A system-level vantage point
Interac operates domestic verification that reflects how Canadian institutions work together, using privacy-protective signals to raise confidence.
Data residency defaults to Canada
Canadian data stays in Canada by default, directly supporting digital sovereignty for Canadian operations.
Approve faster, stop earlier
Higher assurance and faster outcomes in a cost-efficient way, so Canadian businesses approve legitimate customers faster while stopping bad actors earlier.
Privacy is the architecture
Incode made privacy a founding conviction long before regulation or the market asked for it. Its AI-first identity verification reduces fraud while remaining private and compliant.
Testimonial
“The goal is simple: build trust into digital interactions in Canada.”
Fatema Pirone · Head of Verification, Interac
Frequently asked questions
Questions specific to the Interac story
Still have questions? Talk to an expertWhat does Incode add to Interac Verified?
Interac is building Incode's capabilities into its existing document verification service: passive liveness validated at iBeta Level 3, Deepsight screening for AI-generated media, opt-in fraud network intelligence, and an AI-powered document pipeline. Interac is also the only provider in Canada with rights to deliver document verification built on Incode's technology.
Why is checking a document against a face no longer enough?
Generative AI has made synthetic faces, voices, and videos cheap to create, so fraud now leans on fabricated identities rather than stolen documents. A system that only matches a document to a face can miss how the capture itself was manipulated, from virtual camera feeds to tampered devices.
What is iBeta Level 3 liveness validation?
iBeta Level 3 is the most rigorous liveness certification in the industry, and Incode is the first to reach it, recording zero errors on both iOS and Android. The passive check confirms a live person is present without slowing legitimate users down.
How does Deepsight screen for sophisticated impersonation attempts?
Deepsight, Incode's intelligence orchestration layer, runs several detection tests at once to screen for AI-generated imagery and video, virtual camera feeds, and tampered devices, surfacing attempts that older verification methods can miss.
Where is Canadian verification data stored?
Data residency defaults to Canada, so information from Canadian operations remains in the country by default, a design that supports digital sovereignty.
What do Canadian businesses gain from the collaboration?
Strong identity assurance at an accessible cost, through a network they already rely on: around 300 financial institutions connect to Interac, and Canadians choose Interac products more than 20 million times a day on average. The combined capabilities can help organizations onboard customers faster while lowering impersonation risk.
What's next
See how Incode powers identity verification at national scale
Bring liveness, deepfake defense, and document verification to the businesses that rely on your network.