Interac’s New Identity Tools Can Tell a Real Person From an AI Fake

Interac just announced a deal with identity security company Incode Technologies to beef up its Interac Verified suite with some serious anti-fraud tools, and Canadian businesses are the main beneficiary.

The big addition is passive liveness detection, validated to iBeta Level 3 on both iOS and Android. San Francisco-based Incode is the first company to hit that benchmark with zero errors, which is the highest level of identity security testing iBeta offers. Simply put, it means the system can tell whether it’s looking at a real person or a photo, video, or AI-generated fake.

Layered on top of that is something called Deepsight, which runs multiple detection tests simultaneously to catch AI-generated images, virtual camera feeds, and signs of device tampering. There’s also an optional fraud network intelligence feature that lets businesses tap into risk signals across participating organizations to spot emerging fraud patterns earlier.

The pitch from Interac is straightforward: faster onboarding for real customers, fewer bad actors slipping through, and lower cost for businesses to run high-assurance identity checks. That covers everything from digital account openings to credit applications and other high-risk transactions.

“The goal is simple: build trust into digital interactions in Canada,” said Fatema Pirone, Head of Verification at Interac, in a statement on Monday.

Interac also has exclusive Canadian rights to the tech, which pretty much locks in its position as Canada’s go-to verification provider. Data stays in Canada by default, so no cross-border data concerns.

The rollout is planned in phases with a target launch of Q3 2026.