A step-by-step look at how a fraudster with no technical skill assembles a synthetic identity, forges a government document, and passes a live selfie check — for under twenty dollars, using free tools.
Document upload, selfie, liveness check vs. free AI tools
Identity verification has mostly settled on one stack: upload a document, take a selfie, pass a liveness check. That stack is generally the backbone of digital onboarding across banking, fintech, and crypto.
AI has fully broken that flow. A bad actor can now generate a face that has never existed, attach it to a professionally formatted forged document, and move that synthetic identity through a liveness check in real time, on camera, blinking and moving.
This whitepaper walks through exactly how this fraud is committed, so risk and fraud leaders know what they are up against and how they can take steps to rebuild their stack against modern fraudsters.
By the numbers
<$20: Total cost of a complete synthetic identity attack, end to end
6 steps: From a blank prompt to a passed liveness check
$8.99: Price of a correctly formatted forged government document
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