Proof, Visa Team Up to Transform Digital ID, Payments

Published Date : 10/24/2025 

Proof, a leader in cryptographic digital identity verification, has partnered with Visa to bring secure and trusted identity verification to digital and crypto transactions. This collaboration aims to reduce fraud, streamline user experiences, and improve acceptance rates for legitimate consumers. 

Proof, a leading provider of cryptographic digital identity verification, is expanding its capabilities to enhance payments made with cards through a strategic collaboration with Visa. Additionally, Proof is launching a suite of tools to ensure compliance in crypto transactions. This partnership is designed to bring the same level of trust and fraud protection to online commerce that EMV chip technology brought to in-person payments a decade ago.

By integrating Proof’s identity authorization network with Visa’s global payment infrastructure, the two companies plan to enable verified identities for transactions spanning banking, digital commerce, and financial agreements. The initiative is designed to reduce fraud, streamline user experiences, and improve acceptance rates for legitimate consumers.

“Trusted digital identity is the next frontier for enabling secure commerce,” says Daniel Sanford, Senior VP of Global Products and Initiatives at Visa. “We’re connecting Visa’s global network and payments innovations with Proof’s platform to fundamentally transform how identity is used in all types of transactions.”

Proof’s platform uses biometric verification, cryptographic signatures, and AI-driven fraud detection to authenticate users and prevent impersonation. Its Certify product is being positioned as the “EMV chip for digital identity,” enabling secure, reusable identity credentials for consumers and institutions. Proof CEO and Founder Pat Kinsel told Biometric Update earlier this month that Certify can solve problems around deepfake and manipulated content, digital impersonation, and account takeovers. It can even provide account recovery, where Proof has just won contracts. The cryptographic signatures provided by Certify cannot be counterfeited by generative AI, according to Proof.

The new partnership also includes integration with Visa Direct, allowing users to complete transactions including insurance payouts, tax refunds, and real estate transfers, moving funds quickly through Visa’s network. Proof’s fraud model, OmniTrust, will be enhanced by Visa’s Protect Risk Insights, combining datasets to detect deepfakes and prevent fraud in business-to-consumer and peer-to-peer flows.

“Our goal at Proof has always been to bring trust to every digital transaction, and our work with Visa supercharges that mission,” says Kinsel. “We intend to create an identity network for the internet that is as robust and ubiquitous as the Visa network itself.”

In 2023, U.S. consumer losses from fraud reached an estimated $158.3 billion. Visa, which blocked over $40 billion in fraud last year, has invested $12 billion in fraud prevention over the past five years. “We will not only enhance fraud prevention for our clients in countless new flows, but also unlock a new era of identity-verified payments that will help drive higher acceptance rates in digital commerce and better consumer experiences,” adds Sanford.

Proof’s suite of products — Identify, Notarize, Certify, and Verify — are now integrated with Visa’s network. Visa has also been rolling out its Visa Payment Passkey, introducing FIDO-based authentication to ecommerce transactions.

The same concerns around trust, fraud protection, and regulatory compliance apply at least as much to cryptocurrency transactions as they do to ecommerce. Accordingly, Proof has also unveiled digital credential solutions designed to bring real-time compliance and secure identity verification to blockchain-based financial services. Proof’s new credentials allow digital asset wallets, service providers, and users to verify identity and Know Your Customer (KYC) characteristics instantly and securely, it claims. The platform supports privacy-preserving, repeatable verification processes, helping regulated entities meet compliance obligations without compromising user experience.

“Financial institutions won’t fully embrace blockchain-based services until they can verify parties in a transaction and meet the same compliance standards they follow for traditional transactions,” says Proof CEO Kinsel. “Proof’s identity platform bridges that gap and enables mainstream consumers and financial institutions to embrace digital assets confidently.”

Among the new offerings is entity-level certification for U.S. sanctions screening, which Proof says is the industry’s first. This credential enables banks, exchanges, and hosted wallet services to instantly verify the sanctions status of counterparties, facilitating smoother integration with the traditional payments ecosystem. Proof issues cryptographically secure credentials for compliance and customer due diligence checks as a centralized certification authority.

Lightspark, a global open payment network built on Bitcoin, is among the first adopters of Proof’s Certify product. “To bring Bitcoin into the regulated payments era, we need modern identity and trust layers,” says Lightspark CEO and Co-founder David Marcus. “Proof’s digital credentials make it possible for senders and receivers to verify each other in real time — unlocking fast, compliant, and trusted payments on Bitcoin at scale.”

Proof’s platform builds on its experience securing over $500 billion in traditional financial transactions across banking, real estate, and insurance. Its reusable identity product, Certify, enables consumers to verify their identity once and transact securely across crypto platforms, applying the same cryptographic standards used in conventional finance. The solution also supports compliance with Travel Rule mandates, allowing providers to share identity information and perform sanctions screening efficiently. By bridging the gap between digital asset providers and traditional banks, Proof aims to accelerate stablecoin adoption and a more integrated financial ecosystem. 

Frequently Asked Questions (FAQS): 

Q: What is Proof's Certify product?

A: Proof's Certify product is a digital identity solution that uses biometric verification, cryptographic signatures, and AI-driven fraud detection to authenticate users and prevent impersonation. It is designed to enable secure, reusable identity credentials for consumers and institutions.

Q: How does the partnership between Proof and Visa benefit consumers?

A: The partnership between Proof and Visa aims to reduce fraud, streamline user experiences, and improve acceptance rates for legitimate consumers by enabling verified identities for transactions spanning banking, digital commerce, and financial agreements.

Q: What is the role of Proof's digital credentials in crypto transactions?

A: Proof's digital credentials allow digital asset wallets, service providers, and users to verify identity and Know Your Customer (KYC) characteristics instantly and securely, ensuring real-time compliance and secure identity verification in blockchain-based financial services.

Q: How does Proof's platform support compliance with the Travel Rule?

A: Proof's platform supports compliance with the Travel Rule by allowing providers to share identity information and perform sanctions screening efficiently, bridging the gap between digital asset providers and traditional banks.

Q: What is the significance of Lightspark adopting Proof's Certify product?

A: Lightspark, a global open payment network built on Bitcoin, adopting Proof's Certify product signifies the importance of modern identity and trust layers in bringing Bitcoin into the regulated payments era, enabling fast, compliant, and trusted payments on a large scale. 

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