Passkeys+ | Bank-Grade Device-Bound Passkeys — Ideem
FIPS 140-3 Certified · FIDO2 Compliant
Bank-Grade Passkeys
Passkeys+ delivers FIPS 140-3 certified, device-bound authentication invisible to users, impossible to phish, built for regulated industries.
THE PROBLEM
Passwords, OTPs, and synced passkeys all leave the door open.
0% PHISHABLE
Still rely on vulnerable auth
SMS OTPs and passwords remain the default even as regulators phase them out and attackers exploit them daily.
Source: FIDO Alliance
0× EXPORTABLE
Higher ATO with synced passkeys
Cloud-synced passkeys move risk from phishing to account takeover a credential stolen from one device works on all.
Source: FIDO Alliance, 2024
0.0$B PREVENTABLE
Lost to payment fraud annually
Weak authentication at login and step-up is the root cause of most card-not-present and account takeover fraud.
Source: Javelin Strategy
User logs in
→
OTP sent
→
User switches apps
→
Types code
→
Hopes it works
Authentication has never had a hardware-grade trust layer.
Passkeys+ delivers it.
HOW IT WORKS
Enroll once. Authenticate silently — forever.
01
Device Binding
During enrollment, Passkeys+ uses ZSM to cryptographically bind the FIDO2 credential to the physical device. The private key never leaves hardware. No sync. No cloud. No exposure.
02
Silent Authentication
Every subsequent login or transaction is authenticated silently a cryptographic proof from the bound device. No OTP. No biometric prompt unless step-up is required. Half a second.
03
Intelligent Step-Up
When a transaction requires higher assurance, Passkeys+ triggers a native biometric step-up — on the same device, in the same session. No redirect. No new flow. One SDK call.
1
Enroll
→
2
Device Bound
→
3
Silent Auth
→
Done
0.5s
The Ideem Passkeys+ journey — no OTPs, no redirects, no friction
98%+
auth success rate across returning users
INCREASED
<300ms
in-app authentication
DELIVERED
0
REQUIRED
redirects no SMS, no email, no OTP
USE CASES
Built for the Financial Stack
Banks & Issuers
→
Replace SMS OTP across login, transaction approval, and account recovery. Satisfy SAMA, UAE Central Bank, and BSP mandates without rebuilding your auth stack.
Payment Processors & Networks
→
Add device-bound step-up to any transaction flow. Reduce CNP fraud exposure and 3DS friction simultaneously. One SDK. Every card, every channel.
Fintechs & Super Apps
→
Ship invisible authentication to millions of users in days, not months. Native iOS and Android support, embedded WebView compatibility, desktop browser fallback all from one integration.
Synced passkeys shifted the attack surface from phishing to account takeover. Passkeys+ closes both.
✕ SYNCED PASSKEYS
✕ Cloud-synced credentials
✕ Exportable to any device
✕ No device assurance
✕ Phishing solved, ATO open
✓ PASSKEYS+
✓ Hardware-bound credentials
✓ Non-exportable by design
✓ Full device assurance
✓ Phishing + ATO eliminated
WHY IDEEM
Bind to the physical device — credentials can’t be exported, synced, or stolen
Authenticate silently per transaction — no user action required after enrollment
Step up natively when needed — biometric prompt on the same device, same session
FIPS 140-3 certified · FIDO2 compliant · SOC 2 Type 2
Deploy in days — one SDK, REST API, works in native apps, WebViews, and mobile browsers
Synced passkeys solved phishing.
Passkeys+ solves everything else.
For the first time, financial platforms can deliver authentication that is invisible to users —
and impenetrable to attackers.