Incognia Frictionless Authentication is a passwordless authentication solution that uses device recognition and location intelligence to verify users without requiring explicit authentication steps such as one-time passwords (OTPs) or biometric challenges. The product builds a persistent device fingerprint using an AI-driven, model-based approach that adapts over time as the user population changes. It combines real-time device recognition with location signals to assess risk at login time, classifying attempts as high or low risk based on whether the device is known and whether the location is recognized as a trusted location. When a login attempt comes from an unrecognized device or a location previously associated with fraudulent activity, the system flags it for additional verification. When the device and location are both recognized as trusted, authentication proceeds without friction. The system operates as a passive signal layer within adaptive risk-based authentication flows, reducing dependence on OTPs and high-friction verification methods such as facial biometrics. It is positioned to support account takeover (ATO) prevention by identifying anomalous access patterns. According to the vendor, the solution achieves 99.9% device recognition accuracy, enables up to 93% of users to authenticate without friction, and has been associated with a 90% reduction in fraud losses and a 51% reduction in authentication flow costs for at least one customer. The product targets mobile-first platforms including fintech, food delivery, ride-hailing, and other consumer applications.