Aligned Trust reduces the additional factor demands that annoys users and discourages customers — by reducing captchas, just-in-time codes, Face ID, and so much more.
Each authentication event throughout the day, informs every subsequent event – from social media, to on-line shopping, to banking. No institution need ever go it alone.
Today, most digital systems ask the same blunt question again and again: is this really you? Aligned Trust makes that question easier to answer by connecting recent successful sign-ins, device activity, card use, trusted locations, toll devices, and other purpose-specific trust history into a protected Global Trust Platform.
With that layer in place, legitimate users face fewer repetitive challenges when their recent activity is coherent. At the same time, impersonators, stolen credentials and rogue agents are stopped cold.
The breakthrough is not another password, app, token, or biometric check. It is a new layer of real-time authentication information that integrates with existing institutional systems, while the ultimate decision remains with each institution.
“Aligned Trust represents a revolution in our security infrastructure. The elimination of two-factor authentication in the vast majority of transactions greatly reduces friction while increasing security. Deploying Aligned Trust will make it possible for B of A to serve previously underserved populations, affecting millions of individuals”
Cathy Bessant
Senior VP for IT, Bank of America (Ret.)
Before
Each institution can only see through a peephole, hoping to make the right decision. When in doubt, add another factor.
After
Aligned Trust brings knowledge gathered from the users' authentications in the previous few hours to determine the plausibility of the current attempt. In effect, the legitimate user's behavior is the second factor.
01
A user, device, account, or transaction reaches an institution's existing authentication flow.
Global Trust Platform
02
Institution queries Aligned Trust
The institution requests recent contextual trust signals relevant to the attempt.
03
Signals are evaluated
Aligned Trust evaluates available context for coherence, inconsistency, and risk-relevant signals.
04
Aligned Trust returns guidance
Aligned Trust returns contextual decision support — not a final decision — to help the institution choose whether to proceed, challenge, escalate, or recommend decline.
05
The institution keeps final decision authority within its own systems, policies, and risk thresholds.
Moving from static authentication to continuous authentication, creates a trust environment.
