Attaining an Identity Level 3 certification involves providing and verifying strong identity evidence belonging to an individual, along with in-person or remote identification, strong biometric matching technology, and strong biometric matching to reduce false positives.
This can be accomplished using solutions such as HYPR, which combines chat, video, facial recognition with liveness detection and document authentication to support IAL2 and IAL3. Furthermore, step-up reproofing based on risk is supported.
NIST IAL3 verification
NIST has established Identity Assurance Levels (IALs), which indicate the degree of confidence that an claimed digital identity corresponds to its counterpart in real life. For high-risk transactions where falsifying an identity could cause serious harm - for instance gaining access to classified data or critical infrastructure systems - an IAL3 is reserved as a minimum level.
Organizations seeking IAL3 must use superior-strength evidence to verify ownership of proofing events by physical applicants - typically an image of government-issued ID document - which they submit. An ID&V solution can then use both strong and fair evaluation methodologies and scores when comparing this evidence against physical applicants.
IAL3 requires that every enrolled user be present during a verification session, which can be carried out using kiosks or live human agents. While this approach adds complexity to the process and necessitates additional training and documentation efforts, it also increases costs related to hardware logistics, supply chain management and security auditing.
IAL3 identity proofing
IAL3 Identity Proofing offers an exceptionally high level of assurance that the digital identity of an individual matches up with their physical one. The process includes on-site verification and the presentation of strong identity evidence from authoritative sources that is verified with biometric comparison and direct oversight to prevent impersonation or fraud.
CSPs typically find this higher level of assurance more expensive to implement, as it only applies in specific instances such as secure physical access checks or benefits eligibility checks requiring it. For most businesses, IAL2 with strong biometric matching will suffice.
TrustSwiftly's managed solution or its self-hosted version are both capable of authenticating at this level, while TrustSwiftly can be set up on customer hardware for self-hosted authentication at this level. IAL3 requires hardware with very high performance to accommodate different identity proofing methods designed to be replay resistant; additionally it mandates the presence of a trusted referee during proofing sessions.
IAL3 compliant solution
IAL3 is the highest level of authentication under the NIST Digital Identity Guidelines and requires providing superior-strength identity evidence as well as being verified in person with a supervisor. Furthermore, this process includes strong binding mechanisms, device ID identification and biometric capture onsite as part of its requirements. Although time-consuming and costly to perform this level of authentication may provide best protection from cybercriminals and phishing scammers.
Authentication and Lifecycle Management addresses how an individual can safely verify their identity to a CSP and assert it at an assurance level (AAL) specified. Furthermore, this practice defines requirements for federated identities with assertion levels at AAL2. For more information on NIST 800-63A IAL3, click here or check out our official site.
NIST 800-63A IAL3 2025 release has moved away from checklist-based verification towards a risk-based identity framework that prioritizes stronger authentication protocols that can resist phishing attacks. Furthermore, usability was prioritized over security for user experience and accessibility purposes - this shift helps address user friction issues as well as adoption hurdles.
Trust Swiftly
Trust Swiftly offers a remote IAL3 compliant solution designed to protect businesses against complex fraud attempts. Their service uses multiple verification methods - document verification (with support for thousands of global documents), biometric checks (facial recognition with liveness detection and fingerprint scans) and dynamic knowledge-based authentication - as well as validating users addresses against real world records for accuracy. Their process is quick, accurate and customizable according to each business's individual needs - creating an efficient identity proofing process.
Trust Swiftly's watchlist screening can identify individuals and businesses associated with money laundering and terrorist activities. Furthermore, Trust Swiftly provides a forensic view of risky transactions to detect anomalies early and stop fraudsters before it happens.
Trust Swiftly assists businesses in creating a secure future by encouraging regulatory compliance, enhanced user experience and operational efficiency. Their supervised remote NIST IAL3 verification offers an adaptable approach to security that incorporates both remote and in-person security measures.
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