Financial Services Step-up Authentication

High-Value Bank Transfer Approval

A $50,000 transfer triggers biometric step-up before funds are released.

Scenario

A retail banking customer initiates a $50,000 transfer to an unfamiliar beneficiary. Daltrey detects the risk tier, requests biometric verification, and records a tamper-evident audit event before the transfer is approved.

Online banking · New transfer

$50,000.00 AUD

From Everyday Account ••••3097
To Meridian Holdings Pty Ltd
Account BSB 062-000 · Acct ••••4821
High-risk · unfamiliar beneficiary — step-up required

You'll be redirected to Daltrey to enter your email, which triggers the login approval and face scan on your Daltrey mobile app. The code → token exchange happens on the server (confidential client + PKCE) — the browser never sees the secret or the raw tokens.

Why this matters

Security without clumsy friction

Daltrey turns identity proof into a reusable control surface — strong enough for regulated environments, fast enough for real users, and visible enough for executive buyers.