NIST 800-63-4 is an important update that sets new standards for digital identity. By mandating stronger multi-factor authentication methods and explicitly including phishing-resistant authenticators such as FIDO passkeys and user-controlled wallets into its federation model, this revision prioritizes security while still remaining usable.
To transition to IAL3, more is required than incremental improvements of software-only verification technologies. A robust remote verification platform must exist that can reliably break proxy networks, identify synthetic deepfakes and validate real identities.
IAL3 Compliance
NIST defines Identity Assurance Levels (IALs) as tiered levels of certainty that a claimed digital identity corresponds to its real-world counterpart, with IAL3 demanding rigorous in-person or remote identity proofing with more stringent checks using more reliable evidence such as government documents validated from authoritative sources and biometric comparison.
Fischer IAL3 and fedramp high identity proofing solutions offer liveness detection support, step-up reproofing based on risk, credential issuance via remote or in-person authentication and strong nist ial3 verification methods as well as support for cryptographic MFA, phishing-resistant authenticators, as well as support for other protocols.
ITL3 Compliant software solution that offers an alternative to hardware solutions like laptop farms and tablet devices for recording the face and evidence documents; also reduces costs by eliminating supply chain management, hardware configuration and physical security auditing requirements - for a much quicker and cost-effective rollout, while still meeting NIST compliance.
Fedramp High
This level of authorization was designed for hosting highly sensitive, classified or mission-critical information and implements 421 security controls to provide maximum protection of any data that if compromised could have serious repercussions for national or public security or safety as well as for government operations continuity.
Accreditation to FedRAMP High requires more stringent independent validation by an accredited 3PAO than Low or Moderate levels, adding considerable credibility to CSP security claims over those made by competitors with less thorough review processes.
FedRAMP High also emphasizes continuous monitoring, an area in which well-prepared CSPs excel. A compliance automation platform can facilitate control mapping, SSP creation and documentation, evidence collection, POA&M tracking and testing as well as driving continuous monitoring strategies with deep cloud integrations to shorten time to ATO and maintain compliance at the highest level of FedRAMP authorization. In addition, providing a centralized content platform may assist communication between technical teams and compliance departments so features meet federal standards more easily.
Identity Proofing
Identity Proofing ensures that users' claimed identities match those used to authenticate. It is an essential step in combating fraud and mitigating financial losses, reputational damage and compliance risks.
Modernizing NIST SP 800-63-3 requires taking an evidence-based approach to Digital Identity Risk Management (DIRM), with emphasis placed on more secure authentication protocols that resist phishing attacks. This new standard enables organizations to evaluate threats, service impacts and user populations to select suitable IAL, AAL3 and FAL assurance levels dynamically while relaxing hardware requirements for AAL3 to enable remote identity proofing.
HYPR Affirm, our comprehensive identity verification platform, meets NIST requirements for IAL2 and IAL3 with chat, video, facial recognition with liveness detection and document authentication capabilities. Furthermore, it supports step-up reproofing based on risk, further increasing assurance levels while decreasing attack surface areas - helping businesses reduce cyber liability insurance costs, meet regulatory nist 800-63-4 ial3 compliance and enhance employee interview fraud prevention efforts.
Trustswiftly
Trustswiftly ial3 identity verification software for WooCommerce is a plug-in designed to safely verify real customers and reduce fraud, chargebacks and compliance issues. Choose from 15 verification methods including document, banking voice and signature checks as well as global document checks if selling high value products like alcohol and cannabis or age restricted sales.
Supervised remote ID proofing can also be provided using controlled hardware deployed either within an office or remotely, and meets NIST 800-63-4 IAL3 requirements with high assurance levels. Standard users may perform low-friction checks while stronger proofing only triggers when risk signals appear - enabling fast movement on legitimate events while high-risk ones are reviewed quickly with audit-ready evidence and cryptographic certainty.
Trustswiftly allows businesses to easily verify email, phone numbers, documents, SSNS numbers and selfie liveness to reduce cyber liability insurance costs, operational expenses and fraud losses while increasing revenue. When integrated with Stripe Radar, Trustswiftly can route risky transactions for additional review with additional ID&V verification such as mobile driver's license ID&V verification as well as biometric comparison tools that detect liveness for enhanced phishing resistance and man-in-the-middle protection capabilities.
