Abstract: In one example of a system and method for multi-modal biometric identity verification, a system receives a request from a device to verify a user's identity. The request includes a payload encrypted using keys derived from a biometric minutia set based on the user's biometric data. The system retrieves biometric data corresponding to an enrolled user, generates a decryption key based on a biometric minutia set derived from the retrieved biometric data, and decrypts the payload. Biometric data extracted from the payload is compared to biometric data corresponding to the enrolled user to produce a comparison result. The result is used to identify a value representing a probability that the biometric data matches. The system calculates a verification score representing a level of confidence that the user is the enrolled user if the value meets or exceeds a threshold and sends the score or a representation thereof to the device.