In high-risk scenarios like step-up authentication and account recovery, traditional methods can fall short of the strong identity assurance required. While passkeys offer secure, convenient credential storage on devices, certain actions demand an even higher level of security. Keyless’ ZKB Biometrics is a decentralized, cloud-based solution that encrypts biometric data locally, ensuring it remains unreadable—even in the cloud—by authenticating against the original verification image without storing any biometric data. This approach minimizes ATO fraud, reduces costs through self-service recovery, and enhances user experience across the identity lifecycle, making it particularly valuable in sectors like banking and healthcare where secure, user-friendly solutions are critical.