Setting a new standard in identity verification, GovFaceMatch™ removes the tradeoff between conversion and fraud with 6x faster onboarding and 150x better fraud prevention
SAN FRANCISCO--(BUSINESS WIRE)--Incode Technologies, Inc., a global leader in AI-powered identity security and fraud prevention, today announced the broad availability of GovFaceMatch, a solution that confirms identity against state Department of Motor Vehicles (DMV) databases in real time. GovFaceMatch is the first in the identity verification market to offer biometric matching of a live selfie against official DMV records, helping organizations grow without sacrificing security. It represents the flagship offering within GovMatch™, Incode’s suite of solutions for image-based and data-based verification against government records.
Synthetic and stolen identity fraud has become one of the most damaging unresolved challenges facing U.S. businesses, exposing the limitations of traditional identity verification — a threat now accelerating as agentic AI makes it faster and cheaper to fabricate convincing identities. When fraudsters combine real stolen data, AI-generated documents, and their own photos to bypass existing checks, businesses are left absorbing fraud losses, higher operational costs, and unnecessary friction for legitimate users.
“99.9% of the fraudulent identities that slip through data-only checks today are stopped cold by GovFaceMatch,” said Ricardo Amper, Founder and CEO of Incode. “For decades, the identity verification industry has operated on probabilistic signals — not because it was the right answer, but because there was nothing better. As fraud becomes an autonomous, machine-speed problem, GovFaceMatch gives our industry its first real edge in the fight ahead.”
The Cost of Synthetic and Stolen Identity Fraud
For years, identity verification has forced organizations into an impossible choice: accept more fraud or add more friction. Now, the threat has grown too sophisticated for that tradeoff to continue.
Identity data is already widely compromised, with U.S. data breaches reaching an all-time high in 2025. An estimated $3.3 billion was lost to synthetic identity fraud in 2024, and losses are expected to surpass $20 billion by 2030. Fully functioning synthetic and fake identities can now be built in just a few minutes, for as little as $15.
The industry’s response has been to add more layers — document authenticity, additional data checks, one-time verification codes. Yet sophisticated fraud still passes, while 40% of legitimate users abandon document-based verification. The very friction meant to make verification stronger is driving away the real customers businesses are trying to protect. GovFaceMatch was built to close this critical gap.
“Identity is the foundation of trust in nearly every transaction that matters, from opening a bank account to accessing healthcare. As the agency responsible for issuing that identity credential, we have a duty to help get it right,” said Commissioner Angelique B. McClendon, Georgia Department of Driver Services. “By working with Incode, we’re enabling private-sector partners to rely on the same trusted records we do, with clear consumer consent at every step. Georgia DDS is proud to be part of a partnership that strengthens the broader identity ecosystem.”
How It Works
GovFaceMatch verifies identity directly against the government record, the one source of truth no fraudster can fabricate. The solution performs a one-to-one biometric comparison of a user’s selfie against the photo in a participating state DMV database, cross-checks the user’s personal information against the DMV’s identity record, and returns a simple match result.
With a two-step process consisting of an ID barcode scan and a selfie capture, GovFaceMatch provides a user experience that takes an average of 10 seconds and drives 20% better conversion compared to traditional document-based verification.
By going to the government source, GovFaceMatch also delivers 1000x fewer false acceptances than traditional data-only checks and 150x fewer than document-based verification.
The solution is backed by the full reach of the GovMatch suite, which combines image-based and data-based verification to cover 95%+ of the U.S. population.
Privacy by Design
GovFaceMatch is architected with privacy built in. All biometric matching is performed within the DMV environment, and Incode never receives or stores the biometric data or database portrait from the DMV. The solution operates within each participating state’s legal and data retention requirements and requires explicit consumer consent; facial biometrics can be deleted immediately following verification.
Preparing Organizations for the Agentic Fraud Era
Incode’s Agentic Fraud™ Report — an analysis of 66 independently sourced U.S. AI-fraud cases against official FBI and FTC loss data — documents where this is already heading: increasingly autonomous AI agents generating convincing identities, documents, and deepfakes at machine speed and scale. Of the $20.9 billion in fraud losses reported to the FBI in 2025, $893 million was already tagged as AI-enabled. Verification that judges whether an image or document looks authentic will keep losing ground to these attacks. Confirming the right, real person against the government record will not, and this is how GovFaceMatch defends against today’s fraud while future-proofing organizations against the Agentic Fraud era ahead.
For more information or to request a demo, visit incode.com/products/govfacematch.
About Incode Technologies
Incode is the global leader in trust and identity. With its mission to power a world of trust at the speed of AI, Incode works with eight of the top ten U.S. banks, seven of the top eight global telecom providers, and many of the world’s largest fintechs, technology companies, marketplaces, and governments. The platform has processed over four billion identity checks globally and has been recognized in Gartner’s Magic Quadrant for Identity Verification. Incode is headquartered in San Francisco and has offices across Europe and Latin America.
Contacts
Media Contact
Seki Berg
incode@sourcecodecomms.com
