LoA Levels Explained: A Digital Identity Guide
Blog post from Didit
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Levels of Assurance (LoA) measure confidence that a digital identity belongs to the person claiming it, with higher levels providing stronger protection but often adding user friction. Drawing on NIST Special Publication 800-63, the framework ranges from LoA 1, which uses passwords or security questions for low-risk access, through LoA 2 with two-factor authentication, LoA 3 with identity proofing, government ID verification, and biometrics for higher-risk services, to LoA 4, which adds strong multifactor authentication, continuous monitoring, and fraud detection for highly sensitive systems. Appropriate assurance depends on transaction risk and on regulatory obligations such as KYC, AML, and Europe’s eIDAS requirements, which vary by sector and jurisdiction. Didit presents its modular identity-verification platform as a way for organizations to create tailored LoA workflows using capabilities including ID checks, liveness detection, biometric matching, AML screening, automated decisions, audit trails, and external monitoring integrations.
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