A real person with a real government ID sits the interview while someone else does the work. Document checks, face match and liveness all pass. Here is what catches it.
The buyer was ready, the file was clean, the date was set. One person needed to sign in front of a notary, and that person was going to be somewhere in the middle of a sea for the next eight weeks. Without a remote option, a closing that is otherwise finished waits until he gets back. Every title company has a version of this seller.
The Exception Desk is a monthly look at one exception process banks still run by hand — what it is, how it actually gets handled today, and what it would take to make it digital. First up: the wire callback.
AI agents flooded your funnel with real applicants, which is exactly what gives fabricated ones somewhere to hide. Here is where the check has to move to.
Today Proof announces a partnership with Superfluid Finance in their launch of Superfluid Wallet, a wallet that a person and their AI agents use together. Proof provides the human identity layer of the wallet through verifiable credentials for both individuals and businesses.
Three years ago, deepfake fraud accounted for 0.1% of global fraud attempts. Today that figure is 6.5%, a 65-fold rise driven by injection attacks up 40% year over year and $410 million in first-half losses alone. The verification layer is the target now.
