The challenge
AI agents complete account opening flows autonomously, submitting valid documents and populating forms without triggering velocity, device, or identity controls. Each application arrives as a new user on a new device, so there is no fraud history to flag and no behavioral baseline to score against. Identity verification confirms the credentials are real, but it cannot determine whether a human or a machine presented them. The agent looks exactly like an ideal applicant, because it was designed to.


How we solve for it
BioCatch analyzes how a session behaves, regardless of the identity it presents. Agent-driven sessions carry consistent execution patterns that differ from how humans interact, while genuine new customers exhibit the natural variability of someone encountering an unfamiliar process for the first time. By analyzing behavior from the first interaction, BioCatch distinguishes the two at the point of application, before any account is created.
Agent-driven applications can be stopped before accounts are provisioned, with no added friction for genuine customers.
How intent reveals itself
Execution framework fingerprint
These patterns come from the execution framework, not the instructions behind it, so they surface in the application itself regardless of how the agent is tuned to appear human.
Interaction mode
The degree and timing of human involvement within a session indicates whether the application is being driven by a person, an agent, or a hybrid of both.
Human variability
Irregular timing, small inconsistencies, and natural variation in interaction patterns reflect a genuine applicant rather than an automated agent executing a fixed flow.
Synthesized intelligence:
Unified Collection. Continuous Telemetry. Behavioral Sequencing. Predictive Analysis. Real-time Decisioning.
No vendor has ever deployed behavioral intelligence at the scale we've proven possible. We continuously analyze more user sessions (16 billion and counting), collect more signals (3,000 plus), deliver more trusted insights, and protect more digital banking customers (more than half a billion) than any other behavior-centric digital-fraud-prevention solution provider. And we do it in the context of their device, the applications they use, and their transactional tendencies to deliver a trusted and accurate signal for a frictionless and secure customer experience.




