For banks

Own the trust layer your customers already carry.

Deployment paths, platform economics, and a 90-day pilot designed to prove one transaction—then scale or stop.

Design a 90-day pilot

Bank control

The bank stays at the centre.

The bank owns

  • Customer
  • KYC / Identity
  • Brand
  • Card program
  • Risk policy
  • Authorization policy
  • Experience

Keyra enables

  • Hardware-rooted credential
  • Cryptographic trust
  • Human authorization
  • Transaction binding
  • Integration framework

Partner application owns

  • Service experience
  • Acceptance policy
  • Final authorization decision

Your customer. Your card. Your brand. Keyra trust infrastructure.

Keyra never sits between the bank and its customer.

Deployment

Two deployment paths.

New issuance path

  1. Existing manufacturing and personalization
  2. Payment application + Keyra trust application
  3. Customer activation
  4. Trust capability enabled

Compatibility

Compatibility depends on card hardware, card OS, secure element, issuer configuration, personalization environment and lifecycle management infrastructure.

Not every legacy card can be remotely updated. Unsupported cards can transition at natural reissue.

Platform thinking

Think platform. Not plastic.

Smartphone

  • Hardware
  • Operating system
  • Applications
  • New capabilities

Bank card

  • Secure hardware
  • Card OS / secure element
  • Payment application + Keyra trust application
  • New trusted capabilities

The physical form factor stays familiar. The software-defined utility expands.

Conceptual analogy only. Payment cards do not share an unrestricted smartphone-style update model. Provisioning and lifecycle management remain subject to issuer/card OS/secure-element capabilities.

Operating model

It maps onto the lifecycle the bank already operates.

  • Application + KYCUnchanged
  • ProductionUnchanged
  • PersonalizationExtended
  • DeliveryUnchanged
  • ActivationExtended
  • FreezeExtended
  • ReplacementUnchanged
  • ReissueUnchanged

Issue · Activate · Freeze · Cancel · Reissue

Keyra is designed to extend an existing card operating model rather than create a parallel card estate.

Commercial model

From card product to trust utility.

  1. Bank issues card
  2. Keyra credential enabled
  3. Authentication / authorization events
  4. Audit and evidence services
  5. Bank-controlled trust applications

Keyra software / credential licence

Potentially per activated or eligible credential subject to agreement.

Keyra trust utility

Credential validation, status, authorization infrastructure, audit, evidence and integration capabilities.

Per card · Per active credential · Per authorization · Enterprise volume licence

Commercial structure shown without pricing.

Business model

One card. One licence. A growing number of trust events.

  • 10,000 cards
  • 100,000 cards
  • 1M cards
  • 10M cards

Card licence

Creates installed credential base.

Trust utility

Supports recurring trusted events.

Additional applications

Increase credential utility.

Why now

The trust layer is being built. The question is who owns it.

Authentication

Industry guidance increasingly favors phishing-resistant approaches and reduced dependence on SMS.

Digital identity

Device/wallet platforms increasingly carry verified identity.

AI

Agentic systems create new human-authority questions.

Card competition

Rewards economics are highly reproducible.

Bank position

Banks already possess KYC, customer relationships, trust and physical card distribution.

The urgency is strategic and competitive — not a claimed U.S. SMS compliance deadline.

90-day pilot

Don’t approve the future. Prove one transaction.

90 days. One use case. One cohort. One baseline. Measure everything. Scale or stop.

  1. Days 1–30

    Integrate

    Connect the credential to one selected transaction path.

  2. Days 31–60

    Test

    Run real flows including failure and recovery paths.

  3. Days 61–90

    Measure

    Compare results against pre-agreed baseline.

What you measure

Security

  • Authentication success
  • Recovery-path usage
  • Suspicious events
  • Authorization evidence quality

Customer

  • Completion rate
  • Time to approve
  • Satisfaction
  • Stated preference

Operations

  • Support contacts
  • Exception rate
  • Replacement process
  • Fallback use

Economics

  • Cost per authorization
  • Fraud/dispute impact
  • Retention hypothesis
  • Premium willingness to pay

No claims before data.

Design a 90-day pilotSelect first transaction

Decision gate

Day 90. Scale or stop.

Stop if

  • No measurable improvement
  • Excessive customer friction
  • Poor economics
  • Unacceptable operational complexity
  • Architecture fails requirements

Scale if

  • Better evidence quality
  • Acceptable customer experience
  • Reduced dependency on weaker paths
  • Clear risk or economic value
  • Manageable operating model

Both are valid outcomes. Only an unmeasured pilot is a failure.

Strategic close

Extend what the card can prove.

  • The bank already has the customer.
  • The bank already knows the customer.
  • The bank already issues the card.
  • The customer already carries it.

This is not just about making the card more secure.

It is about making the bank more important.

Payment card → Trust card

From Top of Wallet to Top of Trust.

Keyra Global Technologies

The human authority layer

Select your first transactionRequest an executive briefingContact Keyra

Cyber One

Digital asset implementation of Keyra hardware authority.

Keyra’s firmware architecture can secure multiple forms of digital authority. Cyber One applies that architecture to digital assets.

Explore Cyber One