AirKey

AirKey® is a tap-based multi-factor authentication (MFA) solution that transforms debit or credit cards into secure, hardware-backed authenticators. Designed for financial institutions and high-risk digital environments, AirKey enables users to authenticate by simply tapping their card to a smartphone. This frictionless method verifies both card possession and device association, significantly reducing fraud and enhancing customer experience.

Features

• Tap-to-authenticate using physical debit or credit cards
• Verifies card possession and device association in real time
• 128-bit encrypted phone number binding for secure possession checks
• Seamless integration with Mobile Auth℠, Instant Link℠, SMS, and voice delivery
• Real-time risk assessment via Trust Score®
• Identity verification through Identity Verify℠
• In-app authentication for onboarding and login
• 300+ U.S. patents and 75M+ cards in market

Capabilities

• Strong MFA without passwords or OTPs
• Reduces account takeover (ATO) fraud by requiring physical card possession
• Enables self-service authentication, lowering contact center volume
• Supports high-risk transaction authentication
• Enhances app engagement and customer lifetime value
• Scales across mobile platforms and digital channels
• Maintains persistent identity confidence across sessions

Benefits

• Superior security with hardware-backed authentication
• Reduced credential compromise and unauthorized access
• Lower operational costs and support overhead
• Increased app downloads and digital engagement
• Improved customer satisfaction and loyalty
• Future-proof authentication aligned with evolving fraud threats
• Trusted by leading financial institutions