Abstract: In various embodiments, a biometric identity verification and protection software solution is described that operates as a central source of real-time KYC verification and anti-fraud prevention. A cloud-based secured digital wallet is established. When a user is on boarded, baseline biometric indicia (e.g., indicia of their face, voice, etc.) is captured, copies of identification documents are authenticated, and at least some of the baseline biometric indicia verified against reference biometric indicia in the authenticated identification documents. Upon verification, the biometric indicia and copies of identification documents are stored in the secured digital wallet. Each time the user desires to login or otherwise utilize the resources/services of an institution, current biometric indicia are captured, and at least some is compared against the baseline biometric indicia in the secured digital wallet.