AP Introduces Liveness Detection to Strengthen Onboarding and Prevent Fraud

Identity fraud is one of the fastest-growing threats in online financial services. Criminals use stolen identity documents, forged paperwork and manipulated photographs to open accounts under false identities — enabling money laundering, fraudulent trading and impersonation. As these techniques grow more sophisticated, traditional verification (a photo upload and a document scan) is no longer enough on its own.

AP has responded by building a modern, multi-layered identity-verification process into its client onboarding — anchored by liveness detection.

What liveness detection does

Liveness detection confirms that the person opening an account is a real, living human being who is physically present at that moment — not a photograph, a screen replay, a pre-recorded video or an AI-generated face.

During onboarding, an applicant completes a brief, real-time facial verification. AI-powered biometric analysis then:

• Confirms genuine physical presence ("liveness"), distinguishing a live person from a spoof.
• Cross-references the live capture against the submitted identity document, confirming the document genuinely belongs to the applicant.
• Detects presentation and injection attacks — including printed photos, screen replays, 3D masks, deepfakes and AI-generated faces.

In practice, this means a fraudster cannot open an AP account using someone else's identity or a fabricated image.

A multi-layered verification flow

Following the model adopted by leading global compliance and identity-verification providers, AP' onboarding combines several checks into one streamlined flow:

1. Document verification — The identity document is checked for authenticity, and its data is read and validated (e.g. via OCR), confirming it is genuine and unaltered.
2. Liveness and biometric face match — The live facial check confirms physical presence and matches the applicant to the document photo.
3. Deepfake and spoofing detection — Built into the liveness check, AI algorithms screen for printed, replayed, masked, injected and AI-generated attacks, and update as new attack methods emerge.
4. AML screening — applicants are screened against sanctions lists, politically exposed person (PEP) databases, watchlists and adverse media.
5. Ongoing monitoring — verification does not end at onboarding; accounts and activity are monitored on a continuing basis so emerging risks can be identified over time.

How this protects investors

• It prevents unauthorised account creation using stolen or synthetic identities.
• It reduces the risk of fraudulent actors operating inside the platform.
• It supports Anti-Money Laundering (AML) and Know-Your-Customer (KYC) compliance obligations across the jurisdictions in which the group operates.
• It adds a foundation of trust: every verified account belongs to a real, verified individual.

AP views technology not only as a trading tool, but as a protection tool.

A message to investors

In an era when anyone can build a convincing website or app in days, the real measure of a platform's sincerity is whether it is willing to invest resources in verifying the identity of every single client. When evaluating any platform, ask a simple question: What does this platform do to verify its users and protect against fraud?

AP encourages all investors to choose platforms that take verification seriously — because a platform that protects its clients is a platform built to last.

This is the standard we hold ourselves to. By investing in liveness detection, multi-layered verification and ongoing monitoring, AP is building an environment where genuine investors can trade with confidence, knowing the platform is working to keep bad actors out. We invite you to experience the difference that real security makes.