Replace SMS OTPs and Move to Authentication That Actually Works

The Central Bank of the UAE has mandated the phase-out of SMS and email OTPs next year. But this isn’t just about compliance. OTPs slow your users down, drive costs up, and leave real gaps in your fraud defenses.

Ideem helps you switch to modern, device-bound authentication with speed and confidence, so you stay compliant while giving your customers a smoother, safer experience.

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Requirements

From Compliance Mandate to Competitive Advantage

See how Ideem’s Passkeys+ meets, and exceeds, the Central Bank of the UAE’s 2025

CBUAE 2025
Requirement

No OTP via SMS/Email
SMS/email OTPs banned for logins, transactions, and e-wallet enrollments

Stronger Customer Authentication
Biometrics, token authenticators, or UAE Pass required

Real-Time Fraud Response
Suspicious sessions must trigger immediate threat containment actions.

Step-up authentication in 3DS flows must move away from SMS/email OTPs
to stronger, phishing-resistant methods.

How Ideem
Delivers

No codes, no risk
Ideem replaces OTPs with device-bound passkeys, secure, seamless, and phishing-proof.
Passkey-Based Strong Authentication
Combines bound device + biometric to meet SCA standards with a frictionless user experience.
Device-Level Risk Response
Instantly blocks access from unrecognized or compromised devices with real-time session revocation.
Passkey-Based 3DS Support
Passkeys+ can be integrated into 3DS step-up flows, offering compliant, user-friendly, and secure alternatives to OTPs for transaction verification.

Get Started Today

Introducing Passkeys+ by Ideem

Passkeys+ is a next-generation authentication solution designed specifically for regulated environments. It combines the user-friendly experience of passkeys with the stringent security controls required by financial institutions.

The result is faster logins, fewer fraud incidents, and a compliant foundation that scales with your growth

Cryptographic Device Binding
Full Device Control
Audit-Ready Logs
Cross-Platform Consistency
Currently Being Deployed Across GCC
FEATURE detail

Authenticate seamlessly without compromise

Cryptographic Device Binding

Each credential is locked to a user’s physical device, preventing phishing, credential replay, and unauthorized passkey exports.

Instant Biometric Login

Users authenticate with Face ID or fingerprint inside your app, giving you a fast and intuitive experience without SMS or email delays.

Real-Time Device Intelligence

Unrecognized or compromised devices are blocked instantly, with live session revocation for suspicious activity.

Cross-Platform Consistency

A unified experience across iOS, Android, and web so customers can log in smoothly on any channel.

Audit-Ready Visibility

Detailed, regulator-friendly logs that support internal reviews, incident response, and compliance reporting.

Secure 3DS Step-Up

Passkeys+ works within 3DS flows to replace OTP friction with a compliant, user-friendly authentication step.

Drop-In Integration

Designed to work on top of your existing infrastructure without re-architecting your app or customer identity flows.

Enterprise Reliability

High-availability design, proven security patterns, and ongoing support trusted by teams operating at scale.

Passkeys+ gives your institution modern authentication without the heavy lifting. Faster customer onboarding, stronger fraud controls, and a login experience designed for environments where trust and uptime matter most.

Get Started Today

Get Started Today

Implementing Passkeys+ in Your Organization

Transitioning to Passkeys+ is straightforward and can be integrated with your existing systems. Our solution is designed to minimize disruption while maximizing security and compliance.

1/ Assessment:

Evaluate your current authentication methods and identify areas for improvement.

2/ Integration Planning:

Work with our team to develop a tailored implementation plan that aligns with your infrastructure and compliance needs.

3/ Deployment:

Implement Passkeys+ across your platforms, ensuring a seamless transition for users.

4/ Monitoring and Support:

Utilize our monitoring tools and support services to maintain optimal performance and compliance.

March 2026 is the Deadline

CBUAE’s mandate to eliminate SMS and email OTPs is fast approaching. Start your free trial of Passkeys+ today and see how Ideem helps regulated institutions secure accounts, reduce fraud, and meet audit requirements — without compromising user experienc

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