Less friction for real users
Customers receive a link and complete verification on mobile, without installing an app.
Digital trust for companies that scale
Verify real people without slowing down growth.
FaceAuth by Contrato.Cloud helps companies approve legitimate customers with less friction, reduce fraud and keep an auditable trail for every decision.
- No-app link journey
- API and webhook decision
- Auditable evidence
- Less friction for real users
What changes for customers
Less drop-off, less fraud and faster decisions.
In increasingly demanding compliance and regulatory environments, knowing who your company is doing business with is no longer an operational detail. Verification must protect revenue, speed up onboarding and generate auditable evidence for risk, support, fraud prevention, audit and potential legal or regulatory questions.
More security when risk is present
Liveness, documents and fraud rules are applied when the operation needs stronger trust.
Integration ready for scale
API, short links, GET reconciliation and signed webhooks reduce manual work.
Evidence for better operations
Status, decision, reason, events and certificates support service, compliance and fraud teams.
Why Contrato.Cloud
A trust layer that turns risk into growth.
The user experience stays simple. Behind it, your company receives decision, reason, events, certificates and operational data to automate the next step.
Grow without making verification a bottleneck
FaceAuth protects sensitive journeys without forcing every legitimate customer through a long process.
Replace uncertainty with an operational decision
Your company receives a clear, traceable result integrated into the system that decides the next step.
Reduce fraud before it becomes a loss
Identity, face, document, blacklist and journey signals work together to anticipate risk.
Give support a reliable trail
Certificates, events and permitted evidence reduce rework in disputes, audits and reviews.
Fraud in LatAm
In LatAm, fraud has become a cost of growth.
Fraudsters exploit account opening, access recovery, cards, instant payments, signing, support, digital government and marketplaces. FaceAuth creates a trust layer to separate legitimate customers from real risk.
fraud attempts from January to September 2025
Up 28.6%, with one attempt every 2.2 seconds. Banks, cards and financial institutions concentrated 60% of occurrences.
Serasa Experian, Dec. 2025potential losses from prevented banking fraud in 2024
In the same market, financial scams reached R$10.1B in losses in 2024 according to data disclosed by Febraban.
Serasa Experian, Mar. 2025Febraban/Poder360, Mar. 2025median loss among consumers who lost money
Account creation was the riskiest point in the 2025 digital lifecycle, with 7.2% suspected digital fraud.
TransUnion Colombia, May 2026Fintechs, banks, cards and credit
- Risk
- Mule accounts, instant payments, cards, weak onboarding, access recovery and fraudulent renegotiation.
- Impact
- Governance, compliance, audit and AML/CFT are strained when identity is not reliable.
- FaceAuth
- FaceAuth validates person, document, liveness and signals before the critical decision.
Telecom and providers
- Risk
- Fake activations, improper installation, SIM, equipment, commissions, support, account recovery, address transfers and cancellations.
- Impact
- Identity fraud consumes CapEx, commissions, logistics and field time before it turns into improper billing.
- FaceAuth
- Link-based validation confirms who is on the other side without requiring an app.
Insurance and assistance
- Risk
- Policyholder, beneficiary, claim, assistance request and improper payment.
- Impact
- Loss appears in indemnity, audit, disputes and reputation.
- FaceAuth
- The auditable trail connects identity, decision and operational evidence.
Marketplaces and e-commerce
- Risk
- Fake sellers, chargebacks, promotion abuse, risky accounts and delivery fraud.
- Impact
- Margin disappears into disputes, refunds, reverse logistics and manual blocks.
- FaceAuth
- FaceAuth lets teams trigger verification only when risk justifies friction.
Signing and contracts
- Risk
- Disputed acceptance, third-party signature and weak identity evidence.
- Impact
- Contracts lose operational strength when there is no reliable proof of person.
- FaceAuth
- Verified identity becomes the natural base for digital signing with evidence.
Betting and regulated content
- Risk
- Weak registration, multiple accounts, underage access, promotion abuse, AML/CFT and sensitive operations.
- Impact
- Face recognition and liveness proof fit into regulated journeys without blocking legitimate users.
- FaceAuth
- FaceAuth delivers link verification, API decisions, webhooks and auditable evidence for support and regulators.
Public sources: Serasa Experian, Febraban/Poder360 and TransUnion.
How it works
Customers complete a short flow. Your operation receives the decision.
FaceAuth connects face verification, documents when needed, fraud prevention and auditability in a link-based journey that scales across your channels.
1Create a transaction through API, portal or internal workflow
2Send the link by SMS, WhatsApp, email or your own channel
3The user completes verification on mobile, without installing an app
4Receive decision, signed webhook and certificate for audit
Beyond verification
FaceAuth today. Digital signing with identity at the center is the next step.
A signing platform is a natural path for Contrato.Cloud. When digital contracts enter the journey, FaceAuth becomes the proof-of-identity layer before acceptance and signature.
Identity first
The person is verified before the critical decision, reducing weak acceptance and later disputes.
Contracts with evidence
Events, certificates and operational trails connect verification to the digital contract.
An evolving platform
The commercial narrative prepares the market for digital signing with native FaceAuth.
Digital signing is positioned as a platform evolution. The current commercial product on this page is FaceAuth.
Industries
Digital identity for companies that need to know who is behind the action.
Telecom, banks, card issuers, credit, signing, iGaming, insurance and marketplaces can use FaceAuth as an intelligent barrier at high-risk moments.
Telecom and internet providers
Protect activations, installation, support and account recovery before fraud consumes CapEx, commissions and operations.
Fintechs, banks, cards, credit and collections
Validate whether the user is really who they claim to be, check fraud signals and strengthen governance, compliance and auditability.
Signing and contracts
Strengthen acceptance, signing and formalization with liveness, documents and operational certificates.
Betting and regulated content
In Brazil, betting regulation requires robust bettor identification, including documents, face recognition and liveness proof.
Countries and languages
Built for the countries supported by the platform.
The site detects country and language automatically, while still letting users switch manually. Product rules follow each supported country's configured documents and locale.
ArgentinaARBrasilBRChileCLColombiaCOMéxicoMXParaguayPYUruguayUY
Speed without empty promises
The journey is designed to reduce friction and make verification clear, without publishing numbers that depend on customer context.
Security with traceability
Every decision can include status, reason, events and certificate for audit and disputes.
Ready to integrate
APIs, signed webhooks and transaction_id reconciliation reduce manual work and speed up launch.
FAQ
Common questions about identity verification, liveness and fraud prevention.
Direct answers for product, risk, engineering, compliance and operations teams.
What is digital identity verification?
It confirms whether the person performing a digital action is who they claim to be. FaceAuth can combine face biometrics, liveness, document validation, fraud decisioning, webhooks and certificates.
Does the customer need to download an app?
No. FaceAuth runs through a responsive webview link designed for mobile.
How does FaceAuth improve conversion?
It applies verification when business rules require stronger trust, while keeping the experience simple for legitimate users.
Will Contrato.Cloud also offer digital signing?
Yes, that is a natural platform direction. The idea is for digital contracts to use FaceAuth as the identity layer before signature. Today, this page presents FaceAuth as the current commercial verification product.
How does Contrato.Cloud help telecom and internet providers?
Providers can validate identity during activation, installation, duplicate requests, account recovery, ownership changes and sensitive support operations.
Do betting operators need face recognition?
In Brazil, fixed-odds betting regulation requires bettor identification with documents and face recognition with liveness proof. FaceAuth supports this journey with links, API decisions, webhooks and auditable evidence.
How do I integrate it?
Your system creates a transaction by API, receives the link, listens to signed webhooks and reconciles by GET using the transaction_id.
Next step
Find where Contrato.Cloud can increase security and conversion.
Bring a real journey: activation, signing, credit, support, withdrawal, KYC or fraud prevention. The conversation starts from the flow already running in your system.
Talk to salesLink verification, API, webhooks and auditable certificate.