Financial and platform fraud causes hundreds of billions of dollars in losses; login security, transaction controls and device integrity often remain separate.
B2B security integration
Security that protects the action—not just access.
Security-PAL provides an integration layer for continuously verified sessions and critical actions.
PAL IDHAI Sessionsecurity-pal.com
B2B security integration7.2
5defined measurement dimensions
audited losses prevented1
account-takeover rate2
cost per protected session3
1PAL ID
23Evidence
The problem today
Financial and platform fraud causes hundreds of billions of dollars in losses; login security, transaction controls and device integrity often remain separate.
Integration of PAL ID and HAI Session into banks, payment services, platforms and other high-risk digital services.
Existing controls correlate signals but cannot always bind manipulated input paths and stolen sessions to a verified person.
Solution
A simple approach with system-wide value.
Integration of PAL ID and HAI Session into banks, payment services, platforms and other high-risk digital services.
An API for PAL ID, HAI Session and HAI Action.
Risk-based local or server-side verification for each assurance level.
A savings share applied only to contractually attributable, auditable losses prevented.
Benefits
One system. Three clear winners.
Security-PAL provides an integration layer for continuously verified sessions and critical actions.
For people
Safer transactions with less additional friction.
For companies & institutions
Measurably lower losses and an outcome-based commercial model.
For professionals
Fraud, security and audit teams receive auditable, correlated events.
Security-PAL provides an integration layer for continuously verified sessions and critical actions.
Measurable from day one
The right metrics make progress and impact visible.
Safer transactions with less additional friction.
Potential
Transparent model. Counted once.
R05 and R08; base full savings potential of USD 30.4185 billion, or USD 3.04185 billion at 10% coverage.
API for PAL ID, sessions and actions
8.4 bn USD2.8bn digitally underserved people × USD 3 per year
Share of verified prevented losses
30.42 bn USDUSD 579.4bn × 25% addressable × 70% effective × 30% share
Who pays: Banks, payment providers, marketplaces, platforms and other operators of critical online services.
Model note: Market potential is not a revenue forecast. It is a modelled upper bound based on the stated assumptions; actual revenue depends on product maturity, contracts, regulation and market penetration.
Sources and evidence
The key assumptions remain traceable.
The evidence base is maintained centrally. Product claims require separate validation in pilots and contracts.
NIST SP 800-63-4 Digital Identity Guidelines
This source supports the evidence base for the stated problem and market context. Open source ↗
FBI IC3 Annual Report 2025
This source supports the evidence base for the stated problem and market context. Open source ↗
Nasdaq Verafin Global Financial Crime Report 2026
This source supports the evidence base for the stated problem and market context. Open source ↗
EBA–ECB Payment Fraud Report
This source supports the evidence base for the stated problem and market context. Open source ↗
ENISA Threat Landscape 2025
This source supports the evidence base for the stated problem and market context. Open source ↗
Connected in the PAL Ecosystem
Independent domain. Shared platform.
In brief
The first questions a new partner will ask.
Measurably lower losses and an outcome-based commercial model.
What makes this solution different?
Integration of PAL ID and HAI Session into banks, payment services, platforms and other high-risk digital services. An API for PAL ID, HAI Session and HAI Action.
Who benefits most?
Safer transactions with less additional friction. Measurably lower losses and an outcome-based commercial model.
Who carries the cost?
Banks, payment providers, marketplaces, platforms and other operators of critical online services.
How should the potential be read?
R05 and R08; base full savings potential of USD 30.4185 billion, or USD 3.04185 billion at 10% coverage. Market potential is not a revenue forecast. It is a modelled upper bound based on the stated assumptions; actual revenue depends on product maturity, contracts, regulation and market penetration.
Let us define the right pilot.
Capital, technology, hardware partnerships and market access can be built in parallel around a clearly bounded first application.