Bank Account Certificate (BAC) is a product by NSKnox designed for banks, aimed at verifying and certifying the legitimacy of bank account details. The product addresses risks associated with fraudulent or erroneous payment account information, such as those exploited in Business Email Compromise (BEC) and payment fraud schemes. BAC enables banks to issue cryptographically-backed certificates that attest to the validity of bank account ownership details. These certificates can be used by payers and their financial institutions to verify that the account details provided in a payment transaction belong to the intended recipient, reducing the risk of funds being redirected to fraudulent accounts. The product is positioned as a bank-side solution, allowing financial institutions to participate in a trust framework where account ownership is certified at the source — the bank — rather than relying solely on the payer or payee to validate account information.