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Identity fraud has surged in recent years, largely fueled by the anonymity that dominates online interactions. In 2025, losses from online fraud and identity theft alone are expected to exceed $50 billion—a figure that contributes to the $10.5 trillion in global cybercrime losses projected for the year, according to Cybersecurity Ventures.
In 2024, the U.S. Federal Trade Commission (FTC) received 5.7 million reports of fraud and identity theft. Of those, 1.4 million were specifically related to identity theft—an alarming upward trend.
The underlying issue is simple: today’s digital ecosystem allows attackers to infiltrate systems while hiding behind stolen credentials or fabricated profiles.
Cybercriminals operate undetected because there is no verification of the real human being behind the screen.
Passwords, digital documents, and even some traditional biometric systems have failed to stop the trend. All of them verify data (passwords, tokens, stored fingerprints)—but none confirm the human identity of the user.
Recent advances in artificial intelligence amplify the challenge. Cybercriminals now use highly sophisticated phishing techniques and generative-AI tools to craft convincing scams. Deepfakes—simulated audio or video content designed to imitate real people—have become widespread, with 60% of the UK population reporting having seen at least one.
With these technologies, impersonating someone online has never been easier, resulting in increasingly convincing identity fraud schemes. In this landscape, not knowing who is truly behind a digital transaction creates more risk than reward.
These challenges are driving a major shift in cybersecurity: the rise of human authentication. This approach focuses on validating the person—not merely verifying their credentials.
Traditional security measures (from passwords to two-factor authentication) can check devices or data, but they cannot ensure that the person at the keyboard is who they claim to be. In fact, many so-called “passwordless” solutions still rely on hidden credentials that can be stolen or cloned.
The solution is to change the premise entirely: instead of assuming legitimacy when the correct data is presented, require proof of life and proof of identity from a specific human being. Human authentication confirms, unequivocally and in real time, the user’s true identity at every access attempt.
This involves using unique biometric traits—fingerprints, facial recognition, iris scanning, or other inherent factors—to verify the person behind the action.
But unlike traditional database-centric biometrics, B-FY’s model achieves this without compromising privacy or user experience. It is about identifying people, not data. Each time someone attempts to access a digital service or physical location, the system confirms that the authorized individual—and not an impostor—is the one initiating the request.
B-FY has developed pioneering technology that brings human authentication into everyday practice, ensuring that a verified individual stands behind every session, transaction, or entry.
How does it work? B-FY’s authentication protocol fundamentally rewires the existing paradigm: instead of verifying data, it identifies the person behind each digital interaction.
To achieve this securely, B-FY combines biometrics with an innovative decentralized architecture. All biometric data (fingerprint, facial recognition, etc.) is stored exclusively on the user’s personal mobile device—not on central servers.
When authentication occurs, verification happens locally on the user’s phone using the device’s native biometric capabilities. Only the minimal required information (a cryptographically secure confirmation of identity plus basic metadata like email or phone number) is sent to the service—never sensitive biometric material.
This ensures privacy: biometric identity stays in the user’s hands and never circulates across networks or lives in hackable databases. This design eliminates the possibility of mass data breaches and makes credential-replay attacks or fingerprint-leak scenarios virtually impossible.
B-FY integrates seamlessly with existing security systems, complementing methods like two-factor authentication (2FA). In practice, it can be added as a layer that transforms anonymous access into verified personal identity.
Ensuring that a real person is always behind every access request is the most effective way to eliminate the anonymity exploited by cybercriminals and to prevent identity impersonation in all its forms. Solutions like B-FY’s represent a decisive step in this direction by providing an infallible method to verify the true operator of every digital and physical interaction.
This vision of “human-centered security” not only combats today’s threats but also lays the foundation for a safer, more trustworthy digital future. Human authentication is emerging as the new gold standard in modern cybersecurity—a framework where, at last, we ourselves become the key to our digital world.
Want to know more? Request a free demo here.