The system operates across Bolt’s checkout network and aims to strengthen the integrity of shopper identity without requiring users to create an account or opt into a marketing programme.
Bolt, a checkout, identity, and payments specialist, has announced the introduction of Bolt ID, a network identity system that it claims helps merchants and shoppers reduce the growing risks associated with synthetic identity fraud and account takeover attacks.
The system operates across Bolt’s checkout network and aims to strengthen the integrity of shopper identity without requiring users to create an account or opt into a marketing programme.
It functions as a security control that verifies key elements of identity during checkout, allowing merchants and consumers to complete transactions with greater confidence.
“The future of ecommerce depends on environments that people can trust, yet the foundations behind that experience have not kept pace with the way shoppers live and buy,” said Ryan Breslow, Founder and CEO at Bolt.
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“Many systems still assume that identity is fixed, when in reality it shifts across devices, retailers, and moments of intent. Our network shows how often gaps appear between those systems and how important it is to close them for the sake of the consumer.”
“Bolt ID helps move the industry toward that standard by confirming that a real person is behind a purchase, while giving shoppers more agency and a quiet, always-on layer of protection that strengthens their sense of safety without adding friction.”
“Stronger identity safeguards are now essential for an industry that wants to grow with integrity and put people first.”
A central feature of Bolt ID is the use of one-time passwords or passkeys as proof that the person attempting a purchase has access to the device tied to a known email.
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Synthetic fraudsters often obtain personal information, but they rarely control a victim’s device, so confirming device possession makes it harder for synthetic identities to succeed.
“Synthetic fraud has become a coordinated force that moves quietly across retailers and places both consumers and businesses in a difficult position,” said Justin Grooms, President at Bolt.
“Shoppers expect the information they share to support a safe transaction, and meeting that expectation now requires a broader view than any single merchant can maintain.”
“Bolt ID helps connect signals that would otherwise remain fragmented and confirms that a real person is behind a purchase while keeping the experience familiar. Our goal is to offer protection that feels natural to shoppers and to help merchants reduce risk as fraud continues to evolve.”
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