Prove Global Fraud Policy℠: A New, Adaptive Standard for Digital Identity

Fraud is evolving faster than most businesses can react. Criminals now weaponize GenAI deepfakes, synthetic identities, eSIM bots, phone recycling, injection attacks, MVNO masking techniques, and other attack methods with relative ease. The old approach to defending against these fraud types, which typically involved patching defenses one threat at a time, no longer works. Attacks occur more frequently, at larger scales, and often through multiple vectors.

That’s why we developed the Global Fraud Policy (GFP), a unified, forward-looking framework designed to help businesses anticipate emerging threats, respond at scale, and protect their customers in an environment where fraud evolves faster than traditional defenses.

Prove’s platform solutions have quietly run on this adaptive, always-on intelligence layer. Now, we’re bringing that same power to our Classic APIs, unifying every customer under one global fraud defense.

The GFP delivers more than a risk score, and functions as something far more robust than a typical API. It’s the strategic intelligence layer that orchestrates all of Prove’s signals — possession, ownership, SIM and device trust, identity matching, IP intelligence, MVNO analysis, and more — into a single, trusted outcome.

What Is the Global Fraud Policy?

The Global Fraud Policy is Prove’s unified, adaptive fraud-defense engine. It standardizes how to identify, authenticate, and assess risk across every interaction, replacing fragmented, custom rules with a single, comprehensive policy that automatically updates as new threats emerge.

It evaluates four questions for every interaction:

1. Identification: Is this a real person with valid information?
   
2. Authentication: Is the real person really who they claim to be?
   
3. Compliance: Can you legally do business with them?
   
4. Risk: Should you trust this person in this interaction right now?
   
   

If the answer to all four is Yes, the interaction passes.

If not, the GFP returns a standardized Fail response with clear, actionable failure reasons.

This means clients no longer need to learn or maintain dozens of nuanced signals; they simply code to Pass/Fail while the GFP orchestrates all the underlying logic, signal interpretation, and continuous policy updates behind the scenes.

Adopting the GFP and Policy Engine Enables Protection, Persistence, & Practicality

Proactive Protection: Stop sophisticated attacks.

The threats hitting your business today are not the same as the threats hitting last month.

Attackers now use:

• MVNOs to mask SIM swaps and inject false phone-identity trails
• Ports and line-type manipulation to impersonate victims
• Phone recycling to inherit “clean” reputation
• eSIM bots to scale attacks instantly
• Synthetic identities paired with AI-generated documents
• Injection attacks that mimic bank-grade identity profiles
  

The Global Fraud Policy protects against these threats by orchestrating every major Prove intelligence source:

• SIM Trust Score®
• Device Trust Score®
• Phone ownership tenure & history
• Disconnects
• Recycled phone
• Identity matching
• IP intelligence
• Assurance Levels
  

Instead of independently reacting to each signal, the GFP holistically evaluates all of them to determine whether an interaction is safe.

This is comprehensive protection against real-world fraud, not theoretical fraud. 

It’s proactive as well. When Prove identifies new fraud activity across any client, the GFP is immediately updated—just like modern antivirus systems—and those defenses propagate to all customers through the  policy engine.

Persistence: One field. One integration. Future-proof forever.

Persistence means you integrate once, and stay protected indefinitely.  With the Global Fraud Policy, your system only needs to evaluate a single Pass/Fail outcome. You never have to rebuild logic, refactor rules, or chase the next fraud trend.

Prove continuously updates the intelligence behind that single outcome — across new attack methods, new carrier identifiers, new ownership patterns, new threat signatures — but your code never changes.

• One field
• One decision
• One permanent standard

The GFP evolves. Your integration stays still. That’s persistent, future-proofed defense.

Practicality: Prove handles the complexity so you don’t have to.

Practicality means your team no longer needs deep carrier expertise or an understanding of nuanced reason codes, network activity, SIM events, MVNO patterns, tenure anomalies, complex combinations of signals, or device shifts.

Prove abstracts all of that complexity behind the Global Fraud Policy.

Every signal, every carrier nuance, every anomaly pattern, and every new fraud vector is interpreted with an outcome through Prove’s intelligence layer.

You receive:

• One simplified outcome
• Clear failure reasons when appropriate
• No need to manage or understand dozens of fields
• No need for lengthy sprint planning to maintain your own decisioning logic

Prove handles the complexity. You get clarity. That is true practicality.

The Big News: GFP Is Coming to Classic APIs

For the first time, Prove’s most widely used Classic APIs will include the full Global Fraud Policy output, including the Pass/Fail indicator.

Rollout Timeline

• November 2025 (available today): Verify API, Pre-Fill (Identity) API
• December 2025:Trust Score API
• Early Q1 2026: Instant Link
  
  

This means Classic API clients gain the same adaptive threat defense as Platform clients, without changing their integration.

Prove GFP provides the future of digital identity trust. Talk to Prove now to learn more.

‍