Futurae Authentication Platform

Futurae Authentication Platform is a cloud-based authentication and transaction signing solution designed for payment processors and financial services providers. It addresses fraud prevention, account takeover protection, and regulatory compliance within payment workflows. The platform provides push notification-based transaction approvals, enabling payment processors to confirm or block transactions in real time. It incorporates adaptive authentication that evaluates contextual signals — such as mobile device status, IP addresses, and multi-signal environments — to reduce fraud without requiring user interaction in low-risk scenarios. To counter account takeover attempts, the platform supports magic link-based onboarding and device migration flows designed to resist active phishing attacks. Adaptive authentication restricts re-onboarding and device migrations to scenarios where the user's device can be verified as operating in a safe environment. The platform is deployed in the cloud with geo-redundant data centers and 24x7 health monitoring. It integrates Cloudflare anti-DDoS protection to maintain availability during adversarial conditions. Futurae reports a reduction in helpdesk load of between 50% and 90% for its customers. From a compliance perspective, the platform is PSD2/SCA compliant, supports 3DSv2 for credit card transactions, and is hosted in ISO-certified, PCI/DSS-compliant European data centers. It follows a privacy-by-design approach, minimizing PII storage and avoiding centralized biometric data retention. Billing is based on annualized monthly active users (MAUs), with no cap on authentication requests per user per month.