The NIST 800-63A IAL3 guidelines establish three Identity Assurance Levels (IALs). IAL3 mandates on-site attended identity proofing using verified biometrics and rigorous evidence validation; additionally it mandates phishing-resistant multifactor authentication and syncable authenticators such as passkeys for additional authentication protection.
Trust Swiftly's remote ID verification platform is designed to address these sophisticated fraud attempts head on, with adaptable security measures like document verification, facial recognition with liveness detection capabilities, and dynamic knowledge-based authentication.
NIST IAL3 verification
The NIST 800-63A Digital Identity Guideline defines three assurance levels for identity proofing, authentication and federation: low (IAL1) through three (IAL3). Lowest assurance requires identity proofing while highest assurance requires in-person verification with strong biometric matching; these credentials may be used when handling government services or financial data with higher security levels.
NIST recently updated its Information Assurance Library (IAL) guidelines to reflect modernization, adding more risk-based approaches to DIRM and emphasizing stronger multi-factor authentication methods. Furthermore, these updated IAL guidelines emphasize user experience while supporting antiphishing technologies like device-bound and syncable FIDO Passkeys that protect from phishing attacks.
NIST provides guidance for gathering the evidence required at each level and how to acquire and verify that it works effectively. Common ID&V mechanisms include passport MRZs or NFC chip data stored on smart cards; while facial image capture with liveness detection may also be needed to meet IAL2 level criteria.
IAL3 identity proofing
IAL3 identity proofing represents the highest level of identity verification and requires either physical presence or special hardware (if appearing remotely) to confirm an applicant's claimed real-world identity. It is usually reserved for sensitive government services and can include face-to-face enrollment or video-based remote identification processes.
At this step, the enrollee presents various pieces of evidence, such as their passport or driver's license as well as biometric data such as facial recognition with liveness detection. A proofing session takes place real-time to enable the verification system to compare these documents against themselves and verify who they belong to.
NIST 800-63A IAL3 offers CSPs new guidance in selecting and maintaining appropriate levels of assurance while continuously adapting against evolving threats. In particular, continuous evaluation is encouraged and recommended metrics for measuring security effectiveness are identified. With this change comes an easier path towards selecting appropriate assurance levels while continuously evolving their systems against emerging threats.
IAL3 compliant solution
IAL3 compliant solution ensure a person's claimed identity matches their real world one, whether for regulated business services, financial transactions or healthcare access. High levels of assurance are necessary to prevent fraud and cybercrime; with its framework designed to limit more sophisticated attacks such as falsifying evidence falsification theft repudiation social engineering tactics.
Even with its stringent requirements, IAL3 may not be necessary in all applications. Instead, organizations should employ multiple identity proofing methods in tandem to reach an acceptable level of security.
NIST 800-63A IAL3 now contains more flexible requirements, officially recognizing remote unattended identification methods for IAL2. In addition, its assurance levels now include phishing-resistant methods like FIDO Passkeys. Furthermore, continuous evaluation recommendations help companies stay ahead of evolving threats. It also offers guidance on mapping SP 800-63A terms and levels to ID&V evidence validation strengths as well as requirements to achieve each assurance level.
Trust Swiftly
Trust Swiftly's NIST IAL3 standards for remote workers verification solution offers businesses an integrated combination of remote IAL3 verification with facial, fingerprint, and voice biometric checks in order to combat fraud, phishing attacks, account takeover and account takeover. In addition, watchlist screening enables them to identify individuals or entities associated with money laundering or other illegal activities.
Users can quickly and easily verify their identities with a straightforward process. After signing up, users are assessed and directed towards an easy-to-use self-verification tool for self-verification - this reduces additional security measures as well as abandonment rates while helping retailers adhere to age-restricted sales laws while simultaneously decreasing chargebacks on risky transactions.
Trust Swiftly can assist in quickly meeting IAL3 requirements. Its flexible identity verification methods can easily adapt to changing regulatory needs and be integrated with existing authentication systems for an scalable, secure solution - perfect for future-proof identity architecture that protects against credential theft or AI-generated impersonations attempts.
