In today’s digital-first finance world, security and convenience must go hand in hand.
Banks and fintechs are under pressure to verify users faster—without compromising on fraud protection or compliance.
That’s where Palm Vein Authentication comes in.
With X-Telcom’s Palm Vein Technology, financial institutions can implement a contactless, highly secure, and user-friendly biometric solution—from eKYC to ATM withdrawals.
💼 Why Palm Vein Biometrics for Finance?
Compared to fingerprint or facial recognition, Palm Vein Authentication offers:
- Internal data – Vein patterns are invisible and can’t be copied
- Privacy-focused – Doesn’t rely on surface traits vulnerable to theft
- Bank-grade precision –
✅ RGB + IR dual-mode sensors
✅ 99% match accuracy
✅ 0.35s authentication, even across 5M+ user databases
Ideal for:
- 🔐 KYC onboarding
- 📲 Mobile app login
- 🏦 Teller identity confirmation
- 🛒 Palm Pay retail use
- 🏧 ATM biometric withdrawals
🖐 Use Case Flow: From Palm to Platform
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User scans palm on a X-Telcom device:
- XT-PalmVein 01 USB Palm Vein Reader (for branches, onboarding)
- XT-WavePass500 Android Palm Vein Scanner Device (for kiosks, ATMs, agents)
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Palm SDK captures both RGB + IR feature points
➕ Generates feature string
➕ Optionally captures palm image -
Encrypted transmission via HTTPS + SSL to Palm SDK Server
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AI-based Palm Vein Authentication within 0.35 seconds
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Returns unique user ID, matched to KYC, wallet, or account profile in bank backend
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✅ Business logic—AML, permissions, risk checks—is handled solely by the financial institution
❌ X-Telcom never stores personal identity or financial data
⚙️ Secure Infrastructure for Regulated Finance
- AES-256 CBC encryption (cloud or local)
- Cloud, on-prem, or hybrid server deployment
- SDKs for Windows, Linux, and Android 11
- Open API for wallet/core banking integration
- Compatible with:
- eKYC systems
- AML engines
- CRM solutions
Supports compliance with:
✅ GDPR
✅ ISO/IEC 30107
✅ Local regulations (RBI, CBN, CNBV, etc.)
🔐 Privacy That Builds Customer Confidence
Palm Vein Authentication reduces identity fraud and builds trust:
- ✅ No card? No problem.
- ✅ No phone battery? Still works.
- ✅ No way for others to impersonate you
For banks and fintechs:
- 🔒 Reduces account takeover risk
- 🤝 Boosts user retention
- 📉 Fewer support requests for lost credentials
💡 Palm Pay: Contactless Payment Without a Card
With the XT-WavePass500, customers can pay using just their palm:
- ❌ No cards
- ❌ No phones
- ❌ No PINs
Just Palm Vein Recognition, securely linked to their bank or wallet account.
Perfect for in-store, self-service, or mobile agent environments.
✅ Summary
Palm Vein Authentication gives banks and fintechs a competitive edge:
🔐 Secure enough for finance
🎯 Convenient enough for daily use
With RGB + IR imaging, AI-powered matching, and SDK integration at scale, X-Telcom delivers financial-grade biometric infrastructure.
Want to integrate Palm KYC, Palm Pay, or biometric login?
Let’s build secure onboarding and payment workflows together.
