Your digital id is beneath fixed risk. This text explores how offline biometric id verification and tokenisation present a safer and handy resolution.
Offline biometric verification and tokenisation deal with key challenges in cybersecurity, together with id, credential, and entry administration (ICAM), whereas integrating with current software program options.
The cybersecurity problem
For years, we have now been instructed that stronger encryption and more and more complicated passwords are the important thing to defending our information and id. However is that actually true? The quick reply is NO. Hackers have turn into extra refined, and their instruments extra highly effective. This has boosted the price of cybercrime to roughly $9.22tr1 in 2024. As extra linked units come on-line every single day, new assault doorways proceed to open. Until we take severe, structural motion, this quantity will solely proceed to rise.
CardLab has spent a few years creating options to guard information, networks, crucial infrastructure, and private id. As conventional safety strategies battle to maintain tempo with evolving threats, CardLab has responded with a safer and handy various – biometric offline id verification mixed with tokenisation. This method eliminates the necessity for static passwords and reduces the reliance on password managers, each of that are susceptible to hacking and complete lack of management of your account. In actual fact, in a single current mega hack, 16 billion2 passwords had been stolen from platforms together with Fb, Google, and Apple.
Passwords, static credentials, on-line tokens, and even multi-factor authentication (MFA) stay fixed targets for attackers and have launched complexity that fosters unsecure consumer workarounds. Passwords could be stolen or copied, databases breached, and MFA strategies resembling SMS or app-based authenticators could be intercepted, creating new assault vectors whereas additionally including friction to the consumer expertise.
CardLab gives an answer to those challenges with:
- Biometric information saved offline on the biometric card: Conventional strategies, resembling central biometric databases and smartphone biometric verification, have an inherent threat of being hacked and exposing biometric consumer information. By storing the fingerprint offline on the cardboard, it’s by no means seen to hackers and stays beneath the consumer’s full management. Biometric verification takes place fully offline, outdoors the attain of the net assault vectors.
- Tokenisation of consumer id/information: Static passwords and on-line tokens are frequent targets for cybercriminals. CardLab addresses this by transferring token technology offline, straight on the cardboard, after the consumer’s fingerprint has been efficiently verified. Even when intercepted in a “man-in-the-middle” assault, the token is ineffective to hackers, because the token can’t be used earlier than verification within the CardLab safe backend authentication system.
- Stopping human failure threat & social engineering: Advanced passwords have led to unsecure consumer habits resembling reusing the identical password throughout a number of platforms – making one information breach doubtlessly devastating for people and organisations. CardLab eliminates this threat by biometric id tokenisation, changing static passwords fully – nothing to recollect and nothing to reuse. Moreover, the CardLab resolution is FIDO licensed, making certain robust safety.
The answer offered by CardLab capabilities as a flexible platform able to serving a number of sectors for id verification and authentication. The cardboard comprises an embedded Safe Aspect able to holding a number of applets, together with digital id wallets, passports, monetary functions, medical data, driver’s licenses, FIDO applets, digital signing certificates, and crypto custodian wallets. The creativeness is the restrict, as the cardboard can replicate smartphone app capabilities, however inside a safe offline surroundings, providing considerably better safety. Some key use instances embody:
- EU Digital Identification Pockets: Operated in an offline surroundings, making it very exhausting, if not inconceivable, for hackers to entry. This eliminates the danger of the id pockets changing into a hacker’s goldmine, as is commonly the case with an internet platform.
- Safe medical data: Medical information is saved within the Safe Aspect of the cardboard and is barely accessible utilizing the right fingerprint of the proprietor of the file
- Tamper-proof insurance coverage certificates: Helps insurance coverage firms eradicate fraud involving ghost identities or id swapping utilizing poor-quality printed id papers.
- Safety of crucial infrastructure: Allows tokenised entry management to make sure solely authorised personnel have entry to important companies resembling energy, water, transportation networks and different crucial grids.
- Mixed bodily and logical entry: Replaces conventional passwords with biometric verification and authentication, saving firms and organisations important price on IT upkeep and considerably lowering ransomware assault dangers when mixed with fundamental IT cybersecurity initiatives.
- Self-custodian pockets for crypto or different digital belongings: On-line wallets have gotten more and more susceptible to assault, as seen within the newest report from Chainalysis3. The report highlights that theft of cryptocurrencies in 2025 has already surpassed the determine for the entire of 2024 and is anticipated to achieve $4bn in theft this 12 months.
Crypto wallets require a lot increased safety, and tokenisation of knowledge is a manner for customers to remain protected and stay AML (Anti Cash Laundering) compliant. That is precisely what one in all CardLab’s clients, Vaultavo, has carried out by basing their very own resolution on CardLab expertise.
Vaultavo: Biometric custody infrastructure for a digital frontier beneath siege
2025 is shaping as much as be essentially the most catastrophic 12 months in crypto safety historical past. In simply six months, over $2.17bn in digital belongings have been stolen. A single breach, the ByBit hack, noticed $1.5bn vanish in a single day, reportedly orchestrated by a state-sponsored cybercrime unit.
But it isn’t simply establishments being focused. More and more, it’s people – traders, founders, staff – ambushed by phishing hyperlinks, deepfakes, leaked credentials, and, in essentially the most chilling instances, bodily assault. So-called “wrench assaults” have surged to file highs as criminals escalate from screens to doorsteps.
Behind each one in all these headlines lies a typical flaw: outdated entry fashions nonetheless govern a trillion-dollar digital financial system.
In crypto, management of belongings hinges on a personal key, a digital signature that proves possession. Lose it, and the belongings are gone. Have it stolen, and they’re gone too. But most personal keys stay poorly secured: saved on telephones, laptops, cloud servers, and even written on scraps of paper. Customers are left juggling 24-word seed phrases or counting on insecure PINs to defend in opposition to attackers outfitted with refined malware and a robust motive.
It’s inside this real-world vulnerability that Vaultavo emerged – a completely biometric, hardware-enforced custody infrastructure that redefines how digital belongings are secured, ruled, and accessed.
The Vaultavo smartcard: Your fingerprint is the important thing
On the coronary heart of the Vaultavo system is a really one-of-a-kind smartcard engineered and manufactured in collaboration with CardLab.
That is no bizarre card. It integrates an FPC biometric fingerprint sensor, EAL6+ licensed safe component, dynamic E-Ink show, multi-interface connectivity (USB-C, contactless, Bluetooth), and an onboard rechargeable energy supply.
What really units it aside is its safety structure: your fingerprint information isn’t transmitted, uploaded, or saved externally. Matching is carried out domestically, fully offline, contained in the safe component of the cardboard. This ensures that biometric information stays fully beneath consumer management, by no means uncovered to on-line threats or central databases.
The cardboard is air-gapped, tamper-resistant, and inconceivable to unlock with out the registered fingerprint. There aren’t any seed phrases to lose, no passwords to steal, and no reliance on cell phones or apps. Safety turns into bodily certain to the consumer, eliminating credential reuse and making account takeovers just about inconceivable.
Past the cardboard: Infrastructure for each custody mannequin
Vaultavo’s innovation goes past the smartcard. It connects to a broader platform of safe vaults and administrative controls that defend and govern using digital belongings. On this layered design, biometric information is saved and matched solely throughout the card’s safe component, by no means leaving the consumer’s possession. Personal keys, against this, are held in separate, extremely safe {hardware} safety modules (HSMs) situated inside purpose-built vault environments.
This deliberate segregation of biometric id and personal key storage ensures that there isn’t any single level of failure. Even within the occasion of a compromise, the structure prevents attackers from having access to each authentication credentials and the belongings they defend. It’s a mannequin constructed on bodily separation, zero belief, and user-controlled authentication.
All transactions move by a modular digital platform the place establishments can assign role-based entry, implement compliance insurance policies, and automate governance workflows. As a result of entry is verified by offline biometric authentication, Vaultavo eliminates the necessity for central id databases and dramatically reduces the assault floor.
From chilly storage to client wallets, nearly each custody mannequin is supported – with entry and management grounded in bodily fingerprint verification.
Vaultavo addresses what the business calls the custody trilemma – the concept that safety, accessibility, and possession can not coexist. Whereas others are compelled to compromise, Vaultavo harmonises all three by anchoring them in {hardware}, id, and infrastructure.
Its impression has already been recognised. In 2025, Vaultavo acquired the Blockchain Innovation Award on the Asian Banking & Finance FinTech Awards and was named a High Finalist in Accenture’s FinTech Innovation Lab Asia-Pacific.
Nonetheless, its biggest significance lies in its timing. As crypto crime reaches historic highs and the road between digital and bodily risk continues to blur, Vaultavo represents a crucial evolution. It presents a system the place safety is sovereign, custody is verifiable, and the one key that issues is the one embedded in your fingerprint.
The CardLab options delivered to Vaultavo and others are solely nearly as good because the accuracy and sturdiness delivered by the underlying expertise. To verify CardLab merchandise are appropriate for id verification, CardLab has had long-standing collaborations with a number of high-security chip suppliers, and particularly with FPC, for his or her fingerprint sensors that present a novel degree of accuracy, safety, and reliability.
Like CardLab, FPC understands that the rise in information breaches and high-profile digital foreign money thefts underscores the pressing want for strong, user-centric safety options – now greater than ever. By way of its historical past, FPC has recognised that conventional strategies of entry management – resembling passwords, PINs, and even {hardware} tokens – are more and more susceptible to phishing, social engineering, and distant hacks.
In distinction, biometric authentication presents a much more safe and intuitive resolution by binding entry to the distinctive bodily traits of a person, somewhat than to one thing they know or carry. Biometrics present a major or secondary issue of authentication, enabling further safety layers by strongly linking entry to a person, and thus eliminating the danger of credentials being misplaced, stolen, or shared.
FPC’s T-Form biometric resolution, particularly the FPC1323 sensor, exemplifies the ability of biometrics in at the moment’s safety panorama. Optimised for integration into good playing cards, wearables, and different constrained type components, the FPC1323 presents a low-power, high-performance fingerprint authentication system. Its ultra-thin design and energy-efficient structure make it perfect for battery-powered or battery-free units, whereas its superior algorithms guarantee speedy and extremely correct verification.
Anti-spoofing expertise can also be accessible throughout the FPC T-Form household, which has been developed for the funds sector, the place the FPC1323 resolution in a cost card is licensed by each VISA and Mastercard. Subsequently, firms and clients could be assured that FPC’s options are examined to essentially the most stringent safety requirements. Whether or not used to safe cryptocurrency wallets, authenticate transactions, or defend delicate entry factors, the FPC1323 ties every interplay to a verified id—one that can not be simply duplicated or compromised.
This individual-bound entry considerably reduces the danger of fraud, id theft, and unauthorised account takeovers. As a result of biometric information is saved and matched securely on the CardLab card itself, without having to transmit or retailer it centrally, the assault floor is additional minimised whereas additionally addressing GDPR and privateness constraints. For monetary establishments, digital asset suppliers, and end-users alike, FPC’s biometric resolution delivers peace of thoughts by making a safe, frictionless expertise. In a world the place digital identities are beneath fixed risk, the FPC1323 T-Form sensor stands as a crucial line of defence—proving that the way forward for safe entry lies not in what we bear in mind, however in who we’re.
Securing the digital life
As cyber threats proceed to evolve, organisations have to undertake options that present most safety with out sacrificing comfort. The CardLab entry management options deal with these challenges through the use of offline processing of biometric verification to make sure that delicate information stays safe at each stage.
By eliminating the necessity for passwords and network-dependent tokens, this card gives a future-proof entry management resolution that’s scalable, simple to combine with current programs, and compliant with world privateness requirements. Whether or not it’s securing enterprise amenities, defending authorities information, Digital Pockets information or making certain compliance in monetary establishments, CardLab’s system is the answer for the fashionable world of entry management, wallets, passkeys, and many others.
In closing, whereas this text has targeted totally on safety, it’s necessary to focus on that the CardLab system resolution presents a variety of further beneficial advantages:
- MFA necessities could be fulfilled by the cardboard in a single mixed course of, saving a number of time when doing on-line banking or making on-line funds.
- Equipping staff with a biometric card resolution could be finished at a fraction of the price of offering staff with an organization cellphone.
- The cardboard can be utilized for id verification in areas the place smartphones and different linked units are prohibited.
- The CardLab card resolution can’t be tracked and turns into a private risk – one thing that can not be stated of smartphones or any linked machine.
- The ache of remembering and repeatedly updating passwords will turn into historical past, and one much less problem in your day by day work – saving time and lowering associated errors and dangers.
In collaboration with its companions and suppliers, CardLab delivers an answer that mixes comfort with superior cybersecurity, empowering customers to take management of their digital lives with full authority over their very own information.
