White paper

Pay Factor Authentication white paper

Identity systems were designed assuming authentication attempts are scarce, human-driven, and constrained by effort. That assumption no longer holds. Get the white paper to see the model that replaces it.

What's inside

Economic commitment before the attempt

Automated infrastructure and AI agents now generate authentication attempts at machine speed with near-zero marginal cost. Credential stuffing, MFA-fatigue campaigns, and authorization probing can run indefinitely without economic constraint. Pay Factor Authentication™ introduces a different model — economic commitment before authentication attempts occur. AuthLN combines:

FIDO2 passkeys

Device-bound credentials in the Secure Enclave.

Proof-of-work smart contracts

Lightning-settled economic enforcement.

Post-quantum cryptography

Forward-looking cryptographic resilience.

Advanced telemetry

Full-spectrum identity and economic signal.