CISO Tribune

Vendor comparison · 2 companies

Incode vs TransUnion

Incode is an identity platform that verifies people, businesses and AI agents, with identity verification, deepfake detection, authentication and workforce products. TransUnion offers secure, on-demand access to TransUnion data and analytics. CISO Tribune files both under Identity verification and Fraud prevention. This page sets the two records side by side: what each sells, where it is based, who owns and funds it, the customers it names and its recent news, each fact numbered to its source.

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Up to four companies side by side.

  • Incode
  • TransUnion
Incode vs TransUnion: Products, Customers and Funding Compared
IncodeIncode is an identity platform that verifies people, businesses and AI agents, with identity verification, deepfake detection, authentication and workforce products.incode.comTransUnionTransUnion offers secure, on-demand access to TransUnion data and analytics.transunion.com
What it sells
  • Identity Verification[3]Document, biometric, and liveness checks in a single flow.
  • TrustGraph[3][18]A trust network that connects people, AI agents, and actions across 700+ enterprises.
  • Deepsight[3][7][10][12][16]Incode's proprietary deepfake and liveness detection engine.
  • Authentication[3]Returning customers sign in with a glance, matched to the identity verified at onboarding.
  • TruValidate[1][7][8]Orchestrates identity, device and behavioral insights to help organizations interact with legitimate consumers while mitigating fraud risk.
  • TruValidate Device Risk[8]Determines the reputation of a device from device history and confirmed fraud reports, in real time.
  • TruAudience[10][11][12]Marketing and measurement built on identity resolution, data enrichment, audience targeting and analytics.
Categories
Headquarters
San Francisco, United States[2]Not stated on its pages
Founded
Not stated on its pagesNot stated on its pages
Ownership and funding
Not stated on its pagesPublic (NYSE: TRU)[2][4][5][9]
Named customers
Not stated on its pagesNot stated on its pages
Recent news
  • October 14, 2026Incode launched TrustGraph, a privacy-preserving trust network for detecting repeat fraud and agentic fraud across institutions.[18]
  • March 4, 2026Incode secured iBeta Level 3 Presentation Attack Detection conformance for its face liveness technology on iOS and Android.[17]
  • December 2, 2025Incode Technologies announced the launch of Deepsight, an AI defense that detects and blocks deepfakes, injected virtual cameras, and synthetic identity attacks.[16]
Not stated on its pages
G2 and Gartner Peer Insights
  • G2: listed, seen November 4, 2026[5]
  • Gartner Peer Insights: Not stated on its pages
  • G2: listed, seen November 10, 2026[5]
  • Gartner Peer Insights: Not stated on its pages
Who it fits
From its own pages, Incode sells mainly to organizations in financial services, fintech and neobanks, crypto, marketplaces, gaming and gambling, travel and mobility, telco, and the public sector. Incode names banks, telcos, and marketplaces among the organizations that verify with it. Workforce is aimed at employers that need to verify employees, contractors, and freelancers.TruValidate is aimed at organizations that interact with consumers over call center and digital channels. The fraud solutions address organizations protecting new account creation and account access. TruAudience is aimed at organizations running data-driven marketing and measurement programs. For individual consumers, TransUnion offers a free fraud alert, a credit freeze and credit dispute tools.
Last verified
September 27, 2026October 14, 2026

Where they overlap

  • Incode and TransUnion are both filed under Identity verification and Fraud prevention.

Where they differ, field by field

  • Incode's primary category is Identity verification; TransUnion's is Fraud prevention.
  • Incode lists Identity Verification, TrustGraph, Deepsight and Authentication. TransUnion lists TruValidate, TruValidate Device Risk and TruAudience.
  • Incode is headquartered in San Francisco, United States.
  • TransUnion is a public company listed on NYSE as TRU.

What it sells: Incode

What Identity Verification does[3]
The user photographs their government ID and takes a selfie. Incode says AI checks document legitimacy and detects tampering and forgery. Facial recognition cross-compares the live capture with the ID portrait.
What Deepsight does[3][7][10][12][16]
Deepsight protects organizations from deepfakes, AI-driven impersonation, synthetic documents, camera injection, and device tampering. Its device integrity layer detects tampered, emulated, or rooted devices. Its camera integrity layer blocks virtual cameras and prevents video injection with camera source validation.
What Authentication does[3]
iOS, Android, and Web SDKs cover the app and the browser, and call-center flows confirm a caller with a selfie. Deepsight screens the capture for deepfakes, video injection, and device tampering.

What it sells: TransUnion

What TruValidate does[1][7][8]
TruValidate verifies consumer identities against global datasets to expose fraud risks. TruValidate includes custom, purpose-built models that target unique or industry-specific fraud. TruValidate applies to call center and digital channels. TruValidate assesses the risk of fraud in anonymous digital interactions.
What TruValidate Device Risk does[8]
TruValidate Device Risk determines the reputation of a device from device history and confirmed fraud reports from a global network of fraud analysts, in real time. Device Risk covers customer touchpoints where fraud risk is a concern, including account creation, application, login, change of details, payment and check out.
What TruAudience does[10][11][12]
TruAudience powers data-driven marketing and measurement with identity resolution, data enrichment, audience targeting and advanced analytics solutions. TruAudience connects data, teams and marketing platforms with a single identity graph. TruAudience lets users search, buy and activate more than 130K off-the-shelf audiences to reach consumers across media types.

Questions about Incode and TransUnion

What do Incode and TransUnion sell?
Incode sells Identity Verification, TrustGraph, Deepsight and Authentication. TransUnion sells TruValidate, TruValidate Device Risk and TruAudience.
Are Incode and TransUnion in the same category?
They share Identity verification and Fraud prevention. Incode's primary category is Identity verification and TransUnion's is Fraud prevention.
Where are Incode and TransUnion headquartered?
Incode is headquartered in San Francisco, United States.
Who owns Incode and TransUnion?
TransUnion is a public company listed on NYSE as TRU.
Who are Incode and TransUnion sold to?
From its own pages, Incode sells mainly to organizations in financial services, fintech and neobanks, crypto, marketplaces, gaming and gambling, travel and mobility, telco, and the public sector. TruValidate is aimed at organizations that interact with consumers over call center and digital channels.
What have Incode and TransUnion announced recently?
October 14, 2026: Incode launched TrustGraph, a privacy-preserving trust network for detecting repeat fraud and agentic fraud across institutions.

About Incode

Incode is an identity platform that verifies people, businesses and AI agents, with identity verification, deepfake detection, authentication and workforce products. Incode says its AI-driven technology is built entirely in-house. Incode says it confirms that the person behind every account, every transaction, and every AI agent is real, is who they claim to be, and can be trusted. Incode verifies people and the AI agents acting on their behalf, extending trust to every interaction.

Incode combines document, biometric, and liveness checks in a single flow. In the capture step, the user photographs their government ID and takes a selfie. Incode says AI then checks document legitimacy and detects tampering and forgery. Incode's facial recognition cross-compares the live capture with the ID portrait, while passive liveness and Deepsight confirm a real human is present. Incode combines custom-built AI models, deterministic identity checks, and direct integrations with government systems of record. Incode lets customers customize colors, fonts, and layouts from the dashboard and deliver a consistent experience across mobile, web, and embedded flows. Incode also offers a dashboard to uncover fraud trends, monitor conversion, and tune performance.[1][7][8][9]

Deepsight is Incode's proprietary deepfake and liveness detection engine. Incode describes Deepsight as protecting organizations from deepfakes, AI-driven impersonation, synthetic documents, camera injection, and device tampering. Deepsight's behavioral layer flags anomalies in device motion and user behavior that signal bots or scripted fraud. Deepsight's device integrity layer detects tampered, emulated, or rooted devices that open the door to spoofing and injection. Deepsight's camera integrity layer blocks virtual cameras and prevents video injection with camera source validation. Deepsight for Documents protects the document layer, catching forged IDs, passports, and supporting documents.[10]

GovFaceMatch matches biometrics against government systems of record. GovFaceMatch performs a face match against DMV and government records. Incode says matching runs inside the DMV’s secure environment, with no biometric data stored and no government PII shared. TrustGraph connects people, AI agents, and actions across 700+ enterprises.[11]

Incode lets returning customers sign in with a glance, matched to the identity verified at onboarding. iOS, Android, and Web SDKs cover the app and the browser, and call-center flows confirm a caller with a selfie. Incode screens each sign-in capture for deepfakes, video injection, and device tampering with Deepsight. Incode verifies identity without an ID document, using biometrics and trusted data, and checks a few fields against government, credit and telco records. Incode estimates a user's age from their face entirely on their device, without ever transmitting the image to a server. Incode says age and liveness models run entirely on the user's phone, and no biometric image or PII ever leaves it. Age checks complete, on average, in under 5 seconds. The Privacy Lens blurs or pixelates the face so it is never visible, not even on the user's own screen.[11][12][13]

Workforce covers the employee lifecycle: hiring, onboarding, MFA resets, and help desk. Employees complete one guided identity check with a government ID and a live selfie. From then on, a quick selfie confirms it is really them at every moment that matters, with no passwords, app downloads, or extra devices. Incode plugs directly into Okta, Microsoft, Ping, Workday, ServiceNow, and more. Incode defines Know Your Employee (KYE) as a risk-based approach to verifying employee identity throughout the employment lifecycle. Incode business verification (KYB) offers eight checks for US businesses, and customers choose only the checks each applicant needs, through one API. Incode accepts Google Wallet digital IDs, and users verify with a mobile driver's license or state ID in one tap, sharing only the fields the check needs.[14][15]

Incode gives every AI agent a verified identity, bound to an accountable owner, tokenized, and continuously monitored. Incode ties every AI agent's actions to a verified human principal using high-assurance identity verification and liveness detection. Agent activity is detected across human surfaces and machine-to-machine protocols, separating agents from the people they act for. Incode links every agent to a verified human through high-assurance identity checks before sensitive data is accessed or critical actions are taken. Incode monitors agent activity patterns for anomalies and deviations from expected behavior.[15]

Incode serves financial services, fintech and neobanks, crypto, marketplaces, gaming and gambling, travel and mobility, telco, and the public sector. Incode covers 190+ countries and territories and supports 4,900+ document types. Incode cites Klar in fintech, where 7M+ users are verified from an ID and a selfie. In social media, 18M+ users a year are age-verified across TikTok's appeal flow. In travel and marketplaces, Airbnb extends verified trust in 200+ countries and regions. Ricardo Amper founded Incode on June 17 in San Francisco. Incode reached a $1.25B valuation following its Series B round. Incode acquired MetaMap and AuthenticID. Incode acquired Identiq and committed $100M to privacy-preserving identity infrastructure. Incode holds SOC 2 Type II certification and iBeta PAD Level 3 certification.[1][4][10][13][14][15]

Incode on the record

Sources

Incode full record

  1. [1]incode.comIncode · incode.com · undated page, accessed September 27, 2026 · Tier A
  2. [2]Interac chooses incode to strengthen identity verification in canadaIncode · incode.com · undated page, accessed September 27, 2026 · Tier A
  3. [3]AI Identity Verification Software & KYC Platform | IncodeIncode · undated page, accessed October 25, 2026 · Tier A
  4. [4]Incode Launches Agentic Identity to Verify and Secure AI Agents in the Era of Autonomous ComputingBusiness Wire · published October 27, 2025 · Tier A
  5. [5]Incode Reviews 2026: Details, Pricing, & Features | G2G2 · undated page, accessed October 25, 2026 · Tier C
  6. [6]Incode: AI-Powered Identity Verification CompanyIncode · undated page, accessed November 4, 2026 · Tier A
  7. [7]Identity Verification — IncodeIncode · undated page, accessed November 4, 2026 · Tier A
  8. [8]UI customization — IncodeIncode · undated page, accessed November 4, 2026 · Tier A
  9. [9]Advanced analytics | IncodeIncode · undated page, accessed November 4, 2026 · Tier A
  10. [10]Deepsight: Deepfake Detection & Liveness AI | IncodeIncode · undated page, accessed November 4, 2026 · Tier A
  11. [11]Products | IncodeIncode · undated page, accessed November 4, 2026 · Tier A
  12. [12]Authentication: Face Login for Returning Users | IncodeIncode · undated page, accessed November 4, 2026 · Tier A
  13. [13]On device age estimationIncode · undated page, accessed November 4, 2026 · Tier A
  14. [14]Workforce: Employee Identity Verification & KYE | IncodeIncode · undated page, accessed November 4, 2026 · Tier A
  15. [15]Agentic Identity: Verified Identity for AI Agents | IncodeIncode · undated page, accessed November 4, 2026 · Tier A
  16. [16]Incode Launches Deepsight, the World’s Most Accurate Deepfake DefenseUK Tech News · published December 2, 2025 · Tier A
  17. [17]Incode reaches iBeta Level 3 with passive selfie livenessSecurityBrief US · published March 4, 2026 · Tier A
  18. [18]Incode launches TrustGraph, the First Trust Network Built for the Agentic EraWRAL · published October 14, 2026 · Tier A

TransUnion full record

  1. [1]TruValidate | TransUnionTransUnion · undated page, accessed October 14, 2026 · Tier A
  2. [2]Transunion announces earnings release date for second quarter 2026 resultsTransUnion · newsroom.transunion.com · published June 30, 2026 · Tier A
  3. [3]About usTransUnion · transunion.com · undated page, accessed October 14, 2026 · Tier A
  4. [4]Solutions | TransUnionTransUnion · undated page, accessed November 2, 2026 · Tier A
  5. [5]Signal Reviews 2026: Details, Pricing, & Features | G2G2 · undated page, accessed November 2, 2026 · Tier C
  6. [6]Credit Solutions | TransUnionTransUnion · undated page, accessed November 10, 2026 · Tier A
  7. [7]Fraud Solutions | TransUnionTransUnion · undated page, accessed November 10, 2026 · Tier A
  8. [8]Digital Insights | TransUnionTransUnion · undated page, accessed November 10, 2026 · Tier A
  9. [9]TruVision | TransUnionTransUnion · undated page, accessed November 10, 2026 · Tier A
  10. [10]TruAudience | TransUnionTransUnion · undated page, accessed November 10, 2026 · Tier A
  11. [11]Marketing Audiences | TruAudience | TransUnionTransUnion · undated page, accessed November 10, 2026 · Tier A
  12. [12]Consumer and Marketing Insights | TruAudience | TransUnionTransUnion · undated page, accessed November 10, 2026 · Tier A
  13. [13]Branded Communications | TransUnionTransUnion · undated page, accessed November 10, 2026 · Tier A
  14. [14]Free Credit Score, Report, Monitoring & Alerts | TransUnionTransUnion · undated page, accessed November 10, 2026 · Tier A

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