Solutions
KYC / IDV fraud detection
Make sure the person enrolling is live, present, and real — not a replay, a render, or a synthetic identity. ScamAI works with your KYC vendor to strengthen it, not replace it.
$23B
projected annual U.S. losses to synthetic-identity fraud by 2030Source: Deloitte Center for Financial Services
- Strengthens your existing KYC vendor — no rip-and-replace
- Liveness, deepfake, and document checks
- Catches replays, AI renders, and presentation spoofs
- Runs before an account exists
The threat
Face-swap kits and virtual cameras defeat naive selfie checks. Synthetic identities blend real and fabricated attributes to pass onboarding and mature into major fraud losses.
Where detection sits in your onboarding flow
ScamAI plugs into the two moments identity fraud enters, the selfie capture and the document upload, calling the REST API with media you already collect and returning a scored result in real time. Clean scores flow through, borderline cases step up, and clear manipulation declines with evidence attached, so genuine applicants never see a new step.
Breaking the synthetic identity lifecycle at day zero
A synthetic identity is grown, not stolen: fraudsters pair a real identifier with a fabricated face, behave normally for months, then bust out like a loyal customer defaulting. Enrollment is the only cheap place to stop it, because the fake face and doctored document must appear at day zero where each is detectable (Deloitte projects $23B in annual U.S. losses by 2030).
/ROI
What this is worth
- Loss avoidance: as an illustration, at 50,000 checks a month, catching just 0.2% more synthetic media is ~100 frauds stopped — at a $10k average loss, that's ~$1M a month that never walks out the door.
- Review time: evidence-backed results cut manual review from minutes to seconds, so analysts handle the small flagged fraction instead of screening everything.
- One integration: a single REST API covers faces, documents, and devices — no second vendor, no second review queue.
Common questions
How do fraudsters bypass selfie and liveness checks?
Attackers use virtual camera software to inject pre-recorded or AI-generated video into the verification session, bypassing the physical camera. Others use real-time face swaps that respond to liveness prompts, blinking and turning on cue, because a live person drives the fake face. Naive liveness checks confirm motion, not authenticity. Defeating these attacks means scoring the media itself — whether the face is synthetic and whether the presentation shows print, replay, or mask spoofing — so an injected or replayed fake is caught on its content. That deepfake and presentation-attack scoring is what ScamAI adds on top of standard liveness.
What is synthetic identity fraud in KYC onboarding?
Synthetic identity fraud combines real identifiers, such as a government ID number, with fabricated names, faces, and documents to create a person who does not exist. Because part of the identity is real, database checks often pass, and the fraudster ages the account with normal activity before cashing out. Deloitte projects U.S. losses of $23B annually by 2030. At onboarding it depends on fake media — an AI-generated or swapped face and edited documents — the weak point ScamAI targets.
Can a deepfake pass identity verification?
Consumer-grade face-swap tools defeat basic selfie comparison, and virtual cameras feed rendered video into verification flows that only check for a moving face. Deepfakes pass when the system trusts the video instead of inspecting it. They fail when verification scores the face for generation artifacts, checks the presentation for print, replay, or mask spoofing, and confirms consistency between selfie and document. ScamAI runs those checks at enrollment via the REST API, returning a scored result and its signals, so your team can decline or step up before the account exists.
See ScamAI on KYC / IDV fraud detection
15 minutes, on your own media. Pick a slot and leave with a result.