The Rant
Federal Grade NIST 800-63A IAL3 Identity Assurance Services
Submitted by Novergha » Tue 03-Feb-2026, 22:14Subject Area: Safety | 0 member ratings |
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Identity verification processes may be carried out remotely or on-site with or without the presence of a CSP representative, with the aim of mitigating both broad-scale attacks as well as basic evidence falsification or theft.
TrustSwiftly provides a safe, compliant IAL3 solution, using multiple verification methods including document authentication, liveness detection facial recognition technology and numerous security checks that help lower cyber liability insurance premiums and operational costs.
IAL3 Compliant Solution
At NIST 800-63A IAL3, intensive identity proofing processes designed to avoid impersonation attacks are necessary in order to reduce fraud losses and limit highly scalable attacks. While at the IAL2 level this may involve biometric comparison of enrollee and facial images from identity evidence, an attended session with a human is mandatory at this level - helping limit highly scalable attacks while decreasing fraud losses.
TrustSwiftly exceeds IAL3 requirements for both in-person (including remote supervision) and remote identity proofing processes, offering scalable verification journeys using chat, video, face recognition with liveness detection and document authentication. Furthermore, step-up reproofing by risk can help lower cyber liability insurance premiums as well as operational expenses by decreasing password resets.
Our IAL3 compliant solution uses remote kits - available both online and through shipping - to ensure the process takes place on controlled hardware, eliminating vulnerabilities posed by unmonitored smartphones, which could become compromised during an IAL3 process. Furthermore, we utilize trusted paths to connect the device to live agents.
IAL3 Guidelines
Identity Assurance Levels (IALs) are a set of processes designed to verify an individual's claimed identity to ensure it has not been compromised, with IAL3 as the highest level requiring CSP presence for identity proofing of applicants' real-life identities.
The IAL3 process aims to prevent stand-in fraud by matching authenticators with verified applicant attributes and conducting biometric comparison at superior strength. Furthermore, direct observation during identity-proofing sessions, document validation against authoritative sources and biometrics securely linked with claimed digital identities help deter impersonation and fraud.
An IAL3 compliant solution should provide multiple verification modalities, with high pixel counts to prevent spoofing and secure connections to guard against malware threats. Furthermore, it should include step-up reproofing by risk level as well as clear policies around identity proofing and evidence validation - designed for easy user adoption while limiting false negatives.
IAL3 Requirements
IAL3 is the highest identity assurance level available under NIST 800-63A and requires that NIST IAL3 verification processes include human agents present to review and validate evidence presented by enrollees. This requirement significantly narrows eligibility criteria; thus making IAL3 suitable only for high-stakes use cases in which an error in verified claims could cause significant damage.
NIST introduced a tiered approach for evaluating identity proofing strength with their guidance, known as an Identity Assurance Level (IAL), AAL (Authentication Assurance Level), and FAL (Federated Assurance Level), each defined by distinct levels that agencies can select to meet mission requirements. NIST updated this guidance by deprecating email OTP in favor of more secure methods like FIDO Passkeys for higher assurance levels.
HYPR's identity verification solutions help organizations attain IAL2 and IAL3 compliance through chat, video, facial recognition with liveness detection and document authentication. We support step-up reproofing based on risk, providing continuous identity assurance while decreasing attack surface - leading to reduced cyber liability insurance premiums as well as reduced operational costs from password resets.
IAL3 Solution
NIST establishes standards to serve as benchmarks in many disciplines, from plumbing pressure-loss measurements to chemical element viscosities. NIST also publishes guidelines defining digital identity which provide levels of certainty that a claimed online identity matches up with real world identities - the most intensive of these being IAL3 verification, which requires an on-site attended session with an agent and biometric collection from at least one participant; such measures help prevent impersonation attacks that damage user experiences while simultaneously decreasing cybersecurity threat surface, such as password resets.
NIST 800-63A IAL3 updates these modernized identity authentication guidelines by formalizing remote IAL3 identity proofing , cryptographic binding in federated transactions, pseudonymity requirements for CSPs requesting attributes that aren't used for authentication and restricting attribute requests with low assurance levels, pseudonymity requirements for low assurance levels limiting attribute requests; pseudonymity requirements by CSPs for low assurance levels including limited attribute requests due to low assurance levels are met by TrustSwiftly's IAL3-compliant passwordless authentication and identity verification solution by providing chat / video, face comparison with liveness detection feature liveness detection face comparison face comparison technology as well as biometric binding through secure encrypted connections and multimodal biometrics that ensure spoofing resistance as well as prevent SIM swapping or MFA bypasses.
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