VerfiX Chip · MVP Prototype

Match-on-Chip biometric verification for the ATM.

VerfiX Chip runs face, voice, and document verification inside the VerfiX-Chip Securing Element on the ATM itself. No card. No PIN. No cloud. Biometric data never leaves the device — Swiss-engineered secure silicon with on-device AI.

Request a bank pilot Try the live engine

In partnership with Swiss silicon & AI research partners

VerfiX-Chip Securing Element

EAL6+ secure enclave · match-on-chip

<1s

Match-on-chip

Data leaves device

Biometric senses

Why it matters

Swiss sovereign identity & payment infrastructure

A secure, sovereign alternative to cloud-dependent, non-European payment and verification systems — keeping critical financial infrastructure and citizen data inside Switzerland.

Sovereignty

Independent Swiss infrastructure. No reliance on non-European providers for critical verification.

Security

World-class anti-spoofing — face & voice liveness, deepfake detection — stops fraud at the source.

Compliance

Built to align with nFADP & GDPR — data protection by design & default (Art. 25).

Cost reduction

Cardless, biometric verification reduces dependency on interchange-fee networks.

The shift

Legacy ATM verification vs. VerfiX integrated ATM

Today: Legacy ATM

Cloud-dependent · PIN-based · high risk

Cloud dependent — biometric data sent to cloud increases risk and violates banking security policies.
PIN-based — PINs can be stolen, shared, shoulder-surfed, or brute-forced.
Fraud persists — card cloning, PIN theft, skimming, and social engineering continue.
High cost, low value — operational costs stay high while fraud losses and chargebacks persist.

Tomorrow: VerfiX ATM

On-premise · on-chip · secure by design

On-premise, on-chip — biometric data never leaves the ATM. Verification happens on the VerfiX chip.
Built for Swiss banks — aligned with nFADP & GDPR, data protection by design & default.
Stronger security — biometric + liveness detection stops fraud at the source. No PIN, no sharing, no cloning.
Higher ROI — lower fraud losses, reduced operational costs, higher customer trust and loyalty.

The MVP

From idea to reality — how the MVP works

A real ATM, a new concept of card, and a Swiss-made, privacy-first verification — orchestrated end to end on the device.

1 · Old ATM

Any brand, any model

2 · Edge controller

Secure edge module — orchestrates all components

3 · 3D biometric capture

3D face + noise-cancelling voice

4 · VerfiX Chip

Match-on-chip — templates never leave

5 · Bank intranet

On-premise. Never the cloud.

Match-on-chip for face + voice in <1s EAL6+ secure enclave, tamper-resistant Works offline — no internet required Ultra-low power Swiss-engineered secure silicon

Verification flow

From customer to decision — 7 steps

Approaches ATM

No card, no PIN needed

ATM

Identifies

Card, phone, or code

ATM

Face capture

High-quality, low light

Camera

Voice capture

Short phrase recorded

Microphone

Chip extracts

Face & voice → templates

VerfiX Secure Chip

Compared

Match-on-chip — no data leaves

VerfiX Secure Chip

Decision

Approved / rejected

ATM screen

All processing happens on the device. Biometric data never leaves the ATM or the bank's internal network.

Multi-modal fusion

5-sense biometric fusion — on a single chip

VerfiX combines hard traits (fingerprint, vein, iris) with soft traits (face, voice) into one decision — all matched on-chip.

Face

Voice

Fingerprint

Vein (blood flow)

Iris

Face anti-spoofingLiveness detectionVoice anti-spoofingDeepfake detectionDocument forgery detection

New concept of card

The VerfiX card — one secure chip, no raw data

Identity is bound to a single EAL6+ secure element that stores a verified biometric template — never raw biometrics. Carried as a partner bank card, or in the VerfiX mobile wallet.

Partner Bank

VerfiX

Ahmed Alsultan

VerfiX Partner Card

Single secure chip (Secure Element)
Stores verified biometric template
EAL6+ certified secure element
No raw data on card

VerfiX Mobile Wallet

Partner Bank · VerfiX

Biometric bound to user

VerfiX Mobile Wallet

Card in mobile app
Biometric bound to user
Works like a tap-to-pay wallet
Secure, convenient, private

Architecture

The software stack

ATM ScreenUser interface

VerfiX Application (Python / C++)Controls camera & mic · manages session · implements Trust Engine™ · talks to bank server

VerfiX AI Models (on secure chip)Face/voice anti-spoofing · liveness · template extraction & matching

Hardened Linux OSOn the secure edge module

How it's built

Three layers, one platform

VerfiX

VerfiX — Application

Orchestration, Trust Engine™, session management, and the bank integration.

AI Research Partner

World-class on-device anti-spoofing — voice authenticity, document integrity, and liveness detection.

Swiss Silicon Partner

The secure element that runs every biometric model on the edge — fast, tamper-resistant, ultra-low power.

Hardware & AI delivered through Swiss technology partners under VerfiX integration.

Value

What VerfiX delivers

For Banks

Compliance — nFADP / GDPR aligned
Fraud reduction — deepfake & voice-cloning detection
Cost savings — reduces interchange-fee dependency
Experience — faster, cardless ATM transactions

For Partners

Commercialization — real-world edge deployment
Validation — proven use case in Swiss banking
Recurring revenue — licensing per ATM deployed

For Switzerland

Sovereignty — critical infrastructure stays Swiss
Leadership — strengthens fintech & AI position
Data residency — citizen data never leaves the country

For Customers

Cardless & passwordless — just face or voice
Blazing fast — works even if the internet is down
Ultimate privacy — biometrics stay on the chip
Inclusive — vein/finger as backup

Roadmap

From MVP to pilot to scale

Indicative timeline — subject to hardware availability and partner alignment.

Q3 2026

MVP Development

Old ATM + edge module + camera + mic + VerfiX chip

Q4 2026

Internal Testing

Test with 20–50 users, refine software

Q1 2027

Partner Demo

Present the working MVP to technology partners

Q1 2027

Bank Demo

Demo to 3–5 Swiss banks

Q2 2027

Pilot Program

1 bank · 1 ATM · 1 branch

Q3 2027

Commercial Launch

Scale toward 10+ banks, 100+ ATMs

Ready for pilot

Bring privacy-first biometric verification to your ATMs

We invite medium-sized and private Swiss banks to experience the future of secure, cardless banking — built in Switzerland, for the world.

Request a private demo Pilot program