Ideem combines ZSM device binding, Passkeys+, and Bridging to authenticate silently across your entire platform — no OTPs, no redirects, no fraud exposure. One SDK. Every transaction covered.
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Passwords create risk. OTPs create friction. Standard passkeys lack device control. App redirects kill conversions. The industry has been accepting this as inevitable.
OTP friction
SMS codes delay payments and cost money per message
App redirect drop-off
15% of A2A transactions abandoned
Stored credential fraud
2.7x higher ATO risk
No device control
Standard passkeys sync to untrusted devices
Non-card payments have never had a persistent trust layer. Bridging changes that. The first time a customer pays, Ideem silently connects the merchant app and bank app in 2–3 seconds using ZSM device binding. Every payment after: half a second. No redirect. No OTP. No app switch.
15%
recovered
Redirect drop-off eliminated
Source: Tink
20%
recovered
OTP abandonment eliminated
Source: Ravelin
2.7x
fraud risk eliminated
Stored credential fraud gone
Source: FRABC8
Consumer selects Pay by Bank
→
Ideem Bridges Apps
→
FIDO enrolled
→
Payment complete. No redirect.
FIPS 140-3 Certified
STANDARD PASSKEYS
User → Auth
No device verification
Credential can sync to untrusted devices
No cryptographic device binding
DEVICE-BOUND PASSKEYS
User + Device → Auth
Cryptographic device binding
Credential locked to trusted device
Full audit trail & compliance
See how device-bound passkeys transform every authentication pain point
● LEGACY AUTHENTICATION
OTP friction
Users wait for SMS codes, increasing drop-off and frustration
Phishing risk
Passwords and OTPs are easily intercepted by attackers
Compliance challenges
Legacy MFA often fails PSD2/SCA requirements
Password resets
Support costs skyrocket from forgotten credentials
App redirect
Checkout interrupted, 15% never return
● DEVICE-BOUND PASSKEYS
Instant authentication
One-touch passkey authentication in under 2 seconds
Phishing resistant
Cryptographic device binding makes interception impossible
Built for compliance
Built-in SCA under PSD2 with full audit trails
No passwords
Zero password resets — ever. Passkeys just work.
No redirect
Stays in-app, every transaction
Three steps to cryptographic authentication
User creates a passkey
The user registers a passkey on their device using biometric authentication — simple and instant.
Ideem binds the credential to the trusted device
The ZSM cryptographically binds the passkey to the specific device, preventing credential migration.
Every login produces cryptographic proof
Each authentication generates verifiable proof that both the user and their device are trusted.
Watch how device-bound passkeys work
Integrate in minutes, not months. SDKs and APIs for every platform.
Mobile SDKs
iOS · Android · React Native · Flutter
Native SDKs with full biometric support and device binding built in. Integrates in days, not months.
Web & APIs
JavaScript · TypeScript · React · REST
Drop-in web components and REST APIs for seamless browser and web app integration.
Backend Integration
Simple. Secure. Server-side.
Lightweight server-side integration with flexible authentication options built for enterprise security requirements.
Standards Compliant
FIDO2 · PSD2/SCA · FIPS 140-3
Built on industry-standard authentication protocols and designed to meet the compliance requirements of regulated industries worldwide.
✓ FIPS 140-3 Certified
The ZSM is Ideem’s FIPS 140-3 certified MPC module that enables cryptographic device binding, secure authentication, and full auditability for regulated systems.
Application Layer
Your banking or fintech platform
ZSM Cryptographic Module
FIPS 140-3 certified MPC engine
Device Binding Layer
Cryptographic credential-device binding
Authentication Verification
Cryptographic proof of identity + device
A2A / Pay by Bank
Powered by Bridging
Eliminate redirect drop-off. Make non-card payments feel like Apple Pay.
One-Click Checkout
Powered by Bridging + Passkeys+
Silent authentication inside any merchant checkout.
Frictionless 3DS
Powered by Passkeys+
Meet SCA requirements without friction.
OTP Replacement
Powered by Passkeys+
Drop-in SMS OTP replacement.
Silent. Instant. Impossible to fake.
FIPS 140-3 certified · FIDO2 compliant · One SDK
