Verifiable Credentials Counter AI-Driven Identity Fraud

Okta Personal's Vivek Raman on Cryptographic Identity Replacing Legacy Verification Tom Field (SecurityEditor) • January 1, 2026

Artificial intelligence-driven fraud and synthetic identities have weakened legacy identity checks, allowing attackers to exploit weaknesses in identity platforms that weren't built for automated deception, said Vivek Raman, vice president and general manager at Okta Personal.

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Verifiable digital credentials offer a cryptographically secure alternative tied to biometrics, enabling stronger trust and protection against impersonation, Raman said. Unlike traditional checks, VDC credentials stay tied to an individual's identity and cannot be copied or altered.

"VDC is very similar in terms of how it looks on your phone and how you use it, but we can't copy it; it has a bunch of properties," Raman said. "With a VDC, I can just choose to selectively disclose just the information that the other party needs ...