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GenAI could make KYC effectively useless
(techcrunch.com)
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Viral posts on X (formerly Twitter) and Reddit show how, leveraging open source and off-the-shelf software, an attacker could download a selfie of a person, edit it with generative AI tools and use the manipulated ID image to pass a KYC test.
Tutorials online show how Stable Diffusion, a free, open source image generator, can be used to create synthetic renderings of a person against any desired backdrop (e.g., a living room).
Now, yielding the best results with Stable Diffusion requires installing additional tools and extensions and procuring around a dozen images of the target.
A Reddit user going by the username harsh, who’s published a workflow for creating deepfake ID selfies, told TechCrunch that it takes around one to two days to make a convincing image.
Typically, they involve having a user take a short video of themselves turning their head, blinking their eyes or demonstrating in some other way that they’re indeed a real person.
Early last year, Jimmy Su, the chief security officer for cryptocurrency exchange Binance, told Cointelegraph that deepfake tools today are sufficient to pass liveness checks, even those that require users to perform actions like head turns in real time.
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