SCA authentication requirements
Strong Customer Authentication (SCA) means you need authentication based on two or more elements. These may be:
- Knowledge – something only the user knows (like a password or PIN)
- Possession – something only the user possesses (like a phone or hardware token)
- Inherence – something the user is (like their fingerprint or face)
How Nuggets complies with SCA
Nuggets authenticates using the user’s verified identity and their biometrics – on every purchase.
- Inherence: Verified identity and device biometric fingerprint recognition
- Possession: Verified trusted device, app and identity via ownership of private key signing and verifying
- Beyond the baseline: biometrically verified identity, multi-factor authentication, private key, stored ID elements, and proof of good actor on every payment – big or small
By intrinsically linking identity and payment from the outset, Nuggets satisfies all the SCA requirements and ensures a frictionless customer journey.
Built on W3C standards and OIDC. Multi-cloud deployment. AI-ready infrastructure.
Nuggets Trust Layer provides purpose-built identity infrastructure for AI agents, humans and businesses.
Built on established open standards with bank-grade security, it integrates seamlessly with existing systems and AI protocols.
Available globally across 150+ countries. ISO 27001 certified and enterprise-ready.
