Criminals steal credentials, sessions or payment approvals; a single TAN or MFA moment does not protect every later action.
Consumer security
Your identity stays with you—even after login.
PrivateSecurityPAL continuously binds critical online sessions and actions to the user's own PAL ID.
PAL IDHAI Sessionprivatesecuritypal.com
Consumer security7.1
4defined measurement dimensions
account takeovers prevented1
fraud loss per user2
dispute resolution time3
1PAL ID
23Evidence
The problem today
Criminals steal credentials, sessions or payment approvals; a single TAN or MFA moment does not protect every later action.
Personal protection for banking, payments, shopping, gaming and digital accounts.
Consumers must use many point solutions and can barely prove the integrity of an entire session themselves.
Solution
A simple approach with system-wide value.
Personal protection for banking, payments, shopping, gaming and digital accounts.
PAL ID and compatible hardware recognise the session user.
HAI Action marks critical inputs and approvals.
A personal dispute log supports the resolution of contested activity.
Benefits
One system. Three clear winners.
PrivateSecurityPAL continuously binds critical online sessions and actions to the user's own PAL ID.
For people
Less identity theft and stronger evidence for disputed online actions.
For companies & institutions
Banks and platforms reduce fraud, support costs and false declines.
For professionals
Fraud and support teams receive more consistent event evidence.
PrivateSecurityPAL continuously binds critical online sessions and actions to the user's own PAL ID.
Measurable from day one
The right metrics make progress and impact visible.
Less identity theft and stronger evidence for disputed online actions.
Potential
Transparent model. Counted once.
Part of R05/R08. The USD 579.4 billion loss base is globally modelled and only partially addressable.
API for PAL ID, sessions and actions
8.4 bn USD2.8bn digitally underserved people × USD 3 per year
Share of verified prevented losses
30.42 bn USDUSD 579.4bn × 25% addressable × 70% effective × 30% share
Who pays: A bank, payment provider, platform, insurer or employer; a direct consumer licence is not the default.
Model note: Market potential is not a revenue forecast. It is a modelled upper bound based on the stated assumptions; actual revenue depends on product maturity, contracts, regulation and market penetration.
Sources and evidence
The key assumptions remain traceable.
The evidence base is maintained centrally. Product claims require separate validation in pilots and contracts.
NIST SP 800-63-4 Digital Identity Guidelines
This source supports the evidence base for the stated problem and market context. Open source ↗
FBI IC3 Annual Report 2025
This source supports the evidence base for the stated problem and market context. Open source ↗
Nasdaq Verafin Global Financial Crime Report 2026
This source supports the evidence base for the stated problem and market context. Open source ↗
World Bank Global Findex 2025
This source supports the evidence base for the stated problem and market context. Open source ↗
EBA–ECB Payment Fraud Report
This source supports the evidence base for the stated problem and market context. Open source ↗
Connected in the PAL Ecosystem
Independent domain. Shared platform.
In brief
The first questions a new partner will ask.
Banks and platforms reduce fraud, support costs and false declines.
What makes this solution different?
Personal protection for banking, payments, shopping, gaming and digital accounts. PAL ID and compatible hardware recognise the session user.
Who benefits most?
Less identity theft and stronger evidence for disputed online actions. Banks and platforms reduce fraud, support costs and false declines.
Who carries the cost?
A bank, payment provider, platform, insurer or employer; a direct consumer licence is not the default.
How should the potential be read?
Part of R05/R08. The USD 579.4 billion loss base is globally modelled and only partially addressable. Market potential is not a revenue forecast. It is a modelled upper bound based on the stated assumptions; actual revenue depends on product maturity, contracts, regulation and market penetration.
Let us define the right pilot.
Capital, technology, hardware partnerships and market access can be built in parallel around a clearly bounded first application.