Introducing OmniTrust, Your Trusted Authorization Guardrail

In today’s environment, the moment of authorization is the most consequential, not just another data point. This is where OmniTrust, Proof’s next-generation machine learning fraud model, comes into play. Built to protect the moment when decisions are made, agreements are signed, or funds are moved, OmniTrust is the intelligence behind Defend, our enterprise-grade solution for preventing identity and impersonation fraud across any digital interaction.

OmniTrust Improves Your Enterprise Risk & Fraud Prevention Strategy

Most fraud and risk-scoring models are tuned for early stages like onboarding, account opening, applications, etc. OmniTrust by contrast, is purpose-built to evaluate transactions in real-time, at the critical juncture when high cost interactions, high value transactions, or sensitive operations are finalized.

From an enterprise perspective higher stakes require higher precision. The cost of incorrectly blocking a legitimate customer negatively impacts the customer’s experience, company revenue, and ultimately trust; and failing to prevent fraud can result in huge losses. Enterprises also operate across multiple silos and platforms, which is why OmniTrust draws from ID verification, transaction, video, behavioral, and consortium data to give a holistic view of transactions in their own context — a view that single-signal models lack. And with widely available generative AI and fraud-as-a-service tools, fraud is evolving fast. Which is why OmniTrust is designed for constant refinement using real-world signals and human feedback loops instead of static rules and weights.

OmniTrust At a Glance (Training, Risk Signals, and Differentiators)

Training that’s built to outperform legacy solutions:

• 10+ years of historical identity verification and transaction data, totaling more than $600B in high-value flows across verticals like real estate, wealth, retirement, and more.
• 600,000+ hours of high-fidelity session recordings captured on the Proof platform, and enriched by trusted agents, enabling robust deepfake detection and behavior analysis.
• Millions of enrolled and verified identities, and 3M+ transactions per year enrich risk decisions with cross-network likeness comparisons and cross-entity transaction histories.
• Proof leverages Visa Protect Risk Insights to train our risk models and compare fraud patterns across two massive networks — Proof’s platform, and Visa’s payment intelligence infrastructure.
• Thousands of trusted agents on the Proof platform continually report suspicious users and activity across millions of identity verifications, online notarizations, and other transactions for continuous real-world model refinement.
• From device fingerprinting, account age, IP/injection anomalies, data mismatches, to user behavior features—OmniTrust synthesizes hundreds of diverse risk signals.

Differentiators v. Other Risk Models

The Advantages of Using OmniTrust 

Unprecedented protection against AI-powered fraud

With Proof's deepfake detection trained on video data and the integration of Visa's global fraud intelligence, you can stop sophisticated, high-stakes fraud that traditional, single-source models simply cannot see.

Increased authorization rates for legitimate customers

OmniTrust's comprehensive score results in fewer false positives. Legitimate customers are frictionlessly routed through your system, reducing drop-off and improving conversion.

Scale with confidence & compliance

OmniTrust is built to meet enterprise demands. It’s scalable, explainable, and auditable; and its decision rationale can feed into compliance and audit workflows, helping maintain oversight and traceability.

Shared learning across enterprise ecosystems

As more institutions adopt OmniTrust (via Defend), each organization contributes signal and fraud pattern data — strengthening the model’s defenses over time. This network effect is rare in siloed risk infrastructures.

How OmniTrust Fits into Your Enterprise Risk Architecture

1. Ingestion & enrichment. OmniTrust aggregates real-time transaction, identity, behavior, and session signals.
2. Scoring & decisionmaking. The OmniTrust model evaluates transactions and requests, before they’re authorized, issuing a risk score and a decision (approve, deny, hold).
3. Explainability & auditability. Each decision is accompanied by its contributing signals, rationale, and data, that can be surfaced to compliance, investigations, and risk teams.
4. Model refinement. Outcomes (fraud, false positive, escalation) feed back into the training pipeline—continuously improving detection capabilities.

Real-world use-cases include:

• High-value agreements or contracts like real estate closings, securities agreements, and retirement plan changes.
• Fund transfers or payouts like wire instructions, large ACH movements, and fund disbursements.
• Sensitive account updates like changing ownership, authorizing new users, or updating beneficiary information.
• Regulated identity workflows like online notarization, remote identity proofing, and KYC operations.

Proof Has a Proven Track Record in Risk Scoring and Fraud Detection

We have already safeguarded over $600B+ in digital transactions across the globe. With OmniTrust embedded in Defend, you’ll gain:

• The broadest signal coverage in the industry
• Deep expertise in identity verification, deepfake, and fraud detection
• An extensible decisioning engine designed for enterprise-grade scale, compliance, and governance
  
  

Together, we’ll help shift your fraud prevention operations from reactive and static to proactive and adaptive.

Want to Learn More About How OmniTrust is Securing the Future of Digital Commerce?

Explore our capabilities in depth at Proof.com/capabilities/omnitrust or engage our sales and solution engineering team directly.

Let’s redefine what it means to trust a transaction—in real time, at scale.