What is TrulyYou? TrulyYou is Strong Customer Authentication (SCA) infrastructure purpose-built for financial services. A single SDK enables banks, neobanks, payment providers, and fintechs to secure payments, logins, approvals, and high-risk actions across apps, web, embedded third-party flows, and AI interfaces—all with one FIDO2 passkey credential. Unlike general-purpose authentication platforms, TrulyYou ties every passkey to a verified identity from Day 1—not just a device. The SDK replaces fragmented MFA stacks, SMS OTPs, hardware tokens, and authentication redirects with one function call that cryptographically signs each action on-device, producing non-replayable, auditable approvals. Core capabilities: Identity-linked passkeys — Credential bound to verified identity, enabling device migration, account recovery, and regulatory audit trails without re-enrollment Native dynamic linking — Cryptographic binding of user, device, and transaction details per PSD2/SCA requirements—built in, not bolted on Any-surface authentication — First-party apps, 3DS challenges on merchant sites, Open Banking consent screens, and AI agent approvals from one SDK Non-replayable transaction proof — Each approval is unique and cryptographically tied to a specific user, device, action, and timestamp Who uses TrulyYou: Mid-market banks, neobanks, and payment service providers seeking PSD2/SCA compliance without enterprise-platform complexity or legacy hardware dependencies.