Zumigo, Inc., the award-winning mobile identity intelligence and fraud prevention company, today introduced Living Identity, its approach to verifying people against what is true right now rather than what was true when a record was last updated. Living Identity runs on Zumigo’s direct connections with every major U.S. carrier and supports more than 800 mobile network operators in 180 countries, covering 4.5 billion mobile numbers.
Most identity checks still rely on static data: a document scanned once, a bureau record, a Social Security number. That data has been breached and resold so many times that fraudsters often hold the same answers as the real customer, and none of it shows what changed last night. Fraud lives in that gap between the last check and this moment.
The mobile network is the one source that updates continuously for billions of people. Every phone checks in with its carrier, and every SIM swap, port, forwarding change and new device is known the moment it happens. Living Identity turns that into four answers for any phone number:
- Who is it? Whether the number is associated with the person claiming it, matched against carrier and authoritative third-party data.
- Is it true? Whether that phone is actually present, confirmed silently through the carrier on cellular, Wi-Fi or desktop.
- What’s new? Whether anything just changed: a recent SIM swap, a ported number, call forwarding or a new device.
- Can we trust it? How long the number has been in service, what kind of line it is, and how risky it looks right now.
Carrier access of this kind is earned, not bought. Each relationship takes rigorous security, privacy and consent reviews and deep integration with how that carrier’s network works, and Zumigo has been building them at scale since 2011.
The network also gets stronger as it grows. Every operator that joins makes every answer more complete for every business on the network. Every business that joins puts carrier-grade protection in front of more subscribers. And intelligence from fraud seen on one network helps protect customers on others, work that earned Zumigo Gold for Best Real-time Fraud Intelligence Sharing Solution in Juniper Research’s Telco Innovation 2026 Awards.
For carriers, Living Identity lets their network protect subscribers well beyond their own apps and stores, without handing over subscriber data. Zumigo returns scores and decisions, not personal information, and operates with GDPR and CCPA compliance, ISO 27001 certification and SOC 2 Type 2 controls.
“Identity used to be something you proved once, at sign-up. Now it has to be true every time a customer logs in, pays or changes their account,” said Chirag Bakshi, Chief Executive Officer, Zumigo. “Only the mobile network knows what is happening to a phone right now, and our carrier partners have trusted us to put that knowledge to work reliably at speed for the businesses and subscribers they share. That is what Living Identity means: answers that are as current as the customer.”
Banks, fintechs, payment providers, merchants and mobile operators interested in Living Identity can contact Zumigo.
About Zumigo
Zumigo is a mobile identity intelligence and fraud prevention company that helps the world’s largest enterprises verify customers, protect accounts and stop fraud in real time. With a network spanning more than 800 mobile network operators, covering 4.5 billion mobile numbers in 180 countries, and enriched with authoritative third-party data, Zumigo’s multi-layer approach powers identity verification, authentication and risk insight for top 10 global banks, leading credit bureaus and global payment providers. Zumigo holds FIDO2 Server certification, is ISO 27001 certified and is SOC 2 Type 2 compliant, and has been recognized by Juniper Research and the CyberSecurity Breakthrough Awards. Learn more at zumigo.com.
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