What is a Proof transaction?
A Proof transaction is a secure, NIST IAL2-level verified digital signing process that combines automated identity checks—such as SMS authentication, credential analysis, and biometric selfie matching to government IDs—with human referee intervention when needed, ensuring trusted, fraud-resistant eSignatures by validating signer identity before granting document access.
Modern eSign solutions often lack the security and transparency needed in today's business environment. Traditional eSignatures typically only confirm that someone could access the recipient's email account, without verifying that the intended person actually completed the document. This identity gap increases the risk of fraud in an increasingly digital world.
Automated “Proof” of Identity
The Proof platform introduces a new way to transact by offering NIST IAL2-level identification. It pairs identity verification with digital signatures to create trusted records. A Proof transaction is a smart transaction executed according to relevant regulations or business policies.
Proof transactions enhance everyday eSign processes with:
- SMS authentication
- Credential analysis
- Biometric selfie verification
The platform uses this information and third-party databases to validate multiple points of signer information, such as address, phone number, and matching the selfie to a government-issued ID. Access to the document is only granted if the biometric selfie matches the ID, safeguarding the document until the intended signer's identity is verified.
Human Intervention When Needed
Humans remain central to trust. When automated identity verification fails, Proof connects the signer with a trusted referee for manual review. These referees, drawn from the Notarize Network and specially trained, engage with the signer and review documentation to confirm or deny identity. This approach helps prevent backlogs and ensures timely business operations.
Elevated Tools to Prevent Forgery
Trusted referees receive information about why automated verification failed, including fraud signals such as:
- Irregularities on the ID
- Discrepancies between the ID and biometric selfie
- Detection of electronic ID replicas
Referees are equipped with tools and training to properly vet signers. Only after successful verification does the signer gain access to the document. After signing, documents and metadata—including any flags from the referee session—are returned to your Proof account, allowing businesses to review concerns before proceeding.
Use Cases for Proof Transactions
Proof transactions add identity verification to existing eSign workflows, providing robust security and assurance. Examples include:
- Opening virtual mailboxes: Proof supports digital solutions for completing PS-1583 forms and IAL2-standard affidavits required for virtual mail services.
- Buying and selling cars online: Proof enables compliance with state requirements for online notarization or IAL2 eSignature processes in auto sales.
- Submitting digital prescriptions: Healthcare providers can complete IAL2-level identity verification for electronic prescriptions, with instant human intervention if automated checks fail.
- Completing wire transfers: Proof helps prevent wire fraud in real estate by requiring identity verification before revealing wire information or completing transfers.
The Proof platform streamlines operations and simplifies customer experiences by merging signature and identity solutions into a single platform.