Verified at login isn't verified at the moment of payment.
MagenTrust re-establishes human presence continuously and emits a cryptographically signed, timestamped decision artifact before a consequential action executes. Entropy-based behavioural signals are scored ephemerally throughout the session with no PII and no stored biometrics. At a consequential action — payment, beneficiary change, account recovery — MagenTrust returns PASS, CHALLENGE, or INTERRUPT, and every decision emits a deterministic, policy-versioned artifact delivered to the customer's SIEM. The artifact validates against the MagenTrust public key without MagenTrust in the loop and exists before the action runs. MagenTrust sits between passkey/MFA and transaction signing: it decides whether the session is trustworthy enough to sign. Continuous assurance complements PSD2/PSD3 strong customer authentication and supports UK APP fraud reimbursement evidence requirements. In pilot with a Lloyd's of London Coverholder as compliance audit infrastructure. Rollout: passive dry-run scan, shadow mode, per-service enforcement, inside the enterprise perimeter with no data egress.