Why it matters
Wrong verification is the entry point for fraud. Understanding the layers protects users and merchants.
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The architecture
User identity: authenticated via wallet's underlying auth (device + biometrics + password).
Agent identity: cryptographic identity for user's agent. Registered with wallet.
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How it works end to end
Payment signature: wallet signs authorization token. Merchant verifies signature validates.
Merchant identity: merchant registered; requests come from known origins.
Fraud signals: velocity checks, amount limits, geographic anomalies feed into wallet decisions.