Skip To Content
logo
PCTF Certified Badge

Credivera

Elena Dumitrascu
441 5 Ave SW Suite 700 Calgary AB T2P2V1

Service Details

Credivera Exchange; Oliu by Credivera; VCPaaS, Verifiable Credential Infrastructure
Credivera Exchange – Verified Credentials for the Workforce As a leader in verified credentials for the workforce, Credivera empowers employees, employers, and professional organizations to benefit from using digital credentials to increase productivity and control how important credentials are stored and shared. The Credivera Exchange optimizes personal privacy and trust with up-to-date, verifiable credentials secured in a digital wallet, reducing risk for all parties involved. Credivera was founded in Alberta in 2018, with a presence in Toronto, Calgary and Gatineau. Find out more at Credivera.ca. Oliu, by Credivera, provides a complete digital identity verification and authentication solution. Users confirm their identity using government-issued ID, bank account or telecom information to facilitate layered identity verification. Once users are verified, Credivera helps organizations issue and manage verifiable credentials. Credivera is putting verifiable credentials to work, enabling employees, employers, and organizations that issue credentials to increase productivity, privacy and control over how important credentials are issued, stored and shared. Oliu is interoperable, customizable, and flexible; catering to organizations that demand a higher level of user identity verification in their onboarding process. Oliu by Credivera holds the PCTF Trustmark for PCTF Privacy.
General Information: Website
Point of Contact: Elena Dumitrascu

Testimonials

We needed to innovate and better respond to the digital economy. Credivera enabled us to scale quickly and securely. - CEO, Construction Company
Credivera is the only SaaS out of the box solution for heavily regulated markets. - Managing Director US, Global Consulting Firm

Role(s)

  • Audit
  • Broker
  • Consulting
  • Service Integrator
  • Service Provider
  • Other - Specify

Capability(ies)

  • Attribute Broker
  • Attribute Provider
  • Audit IAM
  • Audit InfoSec
  • Audit QA
  • Audit Risk
  • Authentication 
  • Authorization
  • Client Identity Verification
  • Consulting IAM
  • Consulting InfoSec
  • Consulting QA
  • Consulting Risk
  • Credential Issuer or Provider
  • Federated Attributes 
  • Federation Operator
  • Identity Proofing
  • Identity Provider
  • Integration
  • Managed Hosting
  • Network Operator
  • Relying Party or Verifier
  • Validating Identity Claims
  • Wallet Provider
  • Other - specify

Client Identity Verification Methods

  • Government-issued photo identification method
  • Credit file method
  • Dual process methodology

Audiences

  • Public Sector Individuals (G2C)
  • Public Sector Organizations (G2B)
  • Public Sector Internal Services (G2)
  • Private Sector Businesses (B2B)
  • Private Sector Consumers (B2C)
  • International and NGO
  • Other - specify

Sectors and Use Cases

  • Academia and Research
  • Agriculture
  • Automotive Retail
  • Construction
  • Financial Services
  • Healthcare & Social Services
  • Legal / Law 
  • Manufacturing 
  • Natural Resources 
  • Property Services 
  • Public Sector 
  • Retail & Wholesale Trade
  • Technology & Innovation 
  • Tourism & Hospitality
  • Transportation & Logistics 
  • Other - specify

Adoption Communities

  • Public sector
  • Large organizations
  • Small organizations
  • Consumer direct
  • Other - specify

Jurisdiction(s)

  • Canada
  • Asia Pacific
  • Europe
  • Indo Pacific
  • North America
  • Latin America
  • Caribbean
  • Global
  • Other - specify

Operational Language(s)

  • English
  • Canadian French
  • Other - specify

Technical Support Language(s)

  • English
  • Canadian French
  • Other - specify

Platform(s) Availability

  • Apple app store
  • Google app store
  • Embedded in client app
  • Microsoft app
  • In-person scanner (hardware)
  • Other - specify
  • None

Cost Model

  • Time period flat fee
  • Pay per use
  • Mixed flat and use
  • Other - specify
  • Not Applicable

Service Design Principles

Service Design Principles

  • Accessibility 
  • Auditability
  • Combats fraud
  • Creates efficiencies
  • Diversity, equitability, and inclusion
  • Personal data choice and control
  • Privacy protection and enhancement
  • Transparent governance and operations
  • User-friendly
  • Not applicable

Service Design Tools & Auditability

Design Tools

  • Assurance and risk management framework(s)
  • Codes of practice
  • Community practice guides 
  • Industry, National, International Standards
  • Open source code
  • Regulatory guidance
  • Third-party assessment services
  • Other - specify
  • Not applicable

Protocols Supported

  • API
  • DIDCom (decentralized identifiers)
  • FIDO
  • Hyperledger Indy Aires
  • Oauth
  • OpenID
  • SAML
  • UDAP
  • UMA
  • Other - specify
  • Not applicable

Image Standards Supported

  • GIF
  • JPEG
  • PNG
  • TIFF
  • ISO IEC19794-5 (Passport Image Standard)
  • Proprietary Standards
  • Other - specify
  • Not applicable

Process Standards Considered

  • AODA
  • ETSI EN 301 549 
  • HIPAA 
  • GSA Section 50
  • ISO/IEC 27001
  • ISO/IEC 27018
  • ISO 30107-3
  • ISO 90001
  • NIST 800-63
  • SOC 2 Type 1
  • SOC 2 Type 2
  • WCAG
  • WCAG 2.0 (ISO/IEC40500)
  • WCAG 2.1
  • Other - specify
  • not applicable

Accreditations and Certifications

  • AODA tested
  • FIDO® Certified
  • ETSI EN 301 549 
  • GIAC GSNA
  • GSA Section 508
  • HIPAA self-attest
  • Institute of Internal Auditors, Certified Internal Auditor
  • ISACA CISA
  • ISO/IEC 27001 ISMS
  • ISO/IEC 27001 ISMS Lead Auditor
  • ISO/IEC 27018
  • ISO 30107-3
  • ISO 90001
  • IRCA ISMS Auditor
  • NIST 800-63
  • OpentID Certified
  • SOC 2 Type 1
  • SOC 2 Type 2
  • WCAG
  • WCAG 2.0 (ISO/IEC40500)
  • WCAG 2.1
  • Other - specify
  • Not applicable

Pan-Canadian Trust Framework (PCTF)

  • PCTF aligned
  • Planning PCTF certification
  • PCTF Certified
  • Not applicable

Jurisdictional Privacy Law Compliance

  • Canada
  • Asia Pacific
  • Indo Pacific
  • Europe
  • North America
  • South America

Client Identity Verification Methods

Government-Issued Photo Identification Method

Validation Letter

No file uploaded

Our service captures and returns to the relying party the following data points from the government-issued photo identification: person's name, the date on which the person's identity was verified, type of document used (e.g., driver's licence, passport), unique identifying number of the document used, address (if available), jurisdiction (province or state) and country of issue of the document, expiry date of the document, if available (if this information appears on the document or card, it must be recorded).)

  • Yes
  • No

In addition to Canadian passports and driver’s licenses issued by provinces, territories and the Canadian Department of Defence, our service supports the following documents. (Note: Canadian citizenship card and the laminated certificate Indian Status card not listed due to limited applicability and security features.)

  • Ontario Health card (only to be used for health purposes)
  • Quebec Health card
  • Provincial Photo ID cards (Alberta, Manitoba, New Brunswick, Newfoundland, Labrador, Nova Scotia, Ontario, Prince Edward Island, British Columbia, and Saskatchewan)
  • Canada/US Nexus (Trusted Traveller)
  • Canadian Permanent Resident card
  • Secure Indian Status card
  • In process

Our service verifies documents that are authentic, valid, and current.

  • Yes
  • No

Globally, our service can assess Passports from the following number of countries or regions.

Globally, our service can assess National Identity cards from the following number of countries or regions.

Globally, our service can assess Driver's Licenses in the following number of countries or regions. If a jurisdiction has more than 1 version of the same Driver's License, that jurisdiction is counted only once.

Globally, our service can assess the following number of identification records.

Our service compares the following known characteristics of the government-issued photo identification document against the following to satisfy that it is an authentic document issued by the competent authority (federal, provincial, or territorial government).

  • Character spacing
  • Document size
  • Document modification (e.g., cut corner)
  • Document shape
  • Font position
  • Font size
  • Other - specify
  • Not applicable

Our service compares the following security features of the government-issued photo identification document against the following to satisfy that it is an authentic document issued by the competent authority (federal, provincial, or territorial government).

  • Holograms
  • Image frequency
  • Image positioning
  • Image size
  • Position and size of magnetic stripe
  • Ultraviolet images
  • Other - specify
  • Not applicable

Our service compares the following maker features of the government-issued photo identification document against the following markers to satisfy that it is an authentic document issued by the competent authority (federal, provincial, or territorial government).

  • Markers (logos, symbols or watermarks) positioning
  • Markers (logos, symbols or watermarks) size
  • Raised lettering
  • Other - specify
  • Not applicable

Our service compares the machine-readable contents of the MRZ/barcode with the font of the OCR-extracted data and highlights mismatches.

  • Yes
  • No

Our service performs issuer database lookups for international (non-Canadian) verification purposes.

  • Yes
  • No

Our service can be configured to allow the following regarding capturing government-issued photo identification document(s).

  • Real-time government-issued photo identification document(s)
  • Uploading an existing image file
  • Both real-time and uploading existing image
  • No

Our service reads the machine-readable portion of the photo identification documents as applicable.

  • Yes
  • No

Our service confirms the document's expiry date is not before the date of the validation session (as required in Canadian Anti-Money Laundering regulations).

  • Yes
  • No

Our service tests the algorithm (if applicable) for the unique identifiers against the ones used by the identification document provider (e.g., the last six number of a driver's license matches the DOB of the individual being verified.)

  • Yes
  • No

Our service's ability to read machine-readable passports' facial biometric (ICAO 9303) NFC chip is as follows.

  • Android ready now
  • Android ready in 3 months
  • Apple ready now
  • Apple ready in 3 months
  • Not at this time
  • Not applicable

Our service verifies that a chipped identity document has been authenticated (e.g., Country signer, Active Authentication).

  • Yes
  • No

For international verification, our service supports or is investigating mobile driver's license connectivity.

  • Investigating
  • Android ready now
  • Android ready in 3 months
  • Apple ready now
  • Apple ready in 3 months
  • Not at this time

An independent 3rd-party evaluated the performance of our service's face recognition algorithm in a one-to-one matching scenario using NIST (National Institute of Standards and Technology) FRVT 1:1 (Face Recognition Vendor Test) or the most recent NIST Face Technology Evaluations - FRTE/FATE.

  • Yes
  • No

Our service performs a 'selfie' liveness check.

  • Yes
  • No

Our service’s liveness check is:

  • Certified by a NIST (National Institute of Standards and Technology) certified testing company to NIST Level 2 ISO 30107-3 for Presentation Attack Detection
  • Certified to detect and reject presentation attacks
  • Certified to detect and reject digital injection attacks
  • Not certified

Our service’s liveness check captures the person's image via:

  • Computer webcam picture
  • Computer webcam video
  • Computer webcam interactive video
  • Mobile device picture
  • Mobile device video
  • Mobile device interactive video

Our service’s liveness detection or genuine presence is verified by:

  • Active check (person performs actions)
  • Passive check (live video capture and/or motion detection)
  • Computer webcam interactive video
  • Session may be reviewed by human checker
  • Other - specify
  • Not at this time

The identification information our service verifies is ultimately stored:

  • By the person being identified (e.g., stored digital identity on their device)
  • By the vendor on behalf of the subject (e.g., Identity network stores the encrypted access of the digital identity for the person being identified)
  • By the vendor as directed by the entity receiving the identification information (e.g., financial institution)
  • By the entity receiving the identification information (e.g., financial institution)
  • Other - specify
  • Not sure
  • Not applicable

Information stays within Canada for the entire session for Canadian government-issued photo identification (i.e., in transit not related to storage).

  • Yes
  • No

Our service uses an identity verification network that encrypts all information in a mobile application in transit.

  • Yes
  • No

Our service uses an identity verification network that stores information with the following selections.

  • Major cloud providers with Canadian server locations
  • Major cloud providers with International server locations
  • Private clouds
  • Other - specify
  • Not sure
  • Not applicable

Our service uses an identity verification network that delivers services via the following.

  • Major cloud providers (SaaS) with Canadian server locations
  • Major cloud providers with International server locations
  • Private clouds
  • On premise with customer’s data center
  • Mobile Integrations (Customer within their own app via SDK)
  • Mobile Integrations (Vendor application)
  • Web Integrations (Customer within their own app via SDK)
  • Web Integrations (Vendor application)
  • Other - specify
  • Not sure
  • Not applicable