Abstract: This disclosure describes embodiments of systems, methods, and non-transitory computer-readable storage media that can solve one or more of the foregoing (or other problems) in the art in addition to providing other benefits by applying customized security limitations to a secure digital account, and removing the security limitations based on efficiently verifying personal identity information associated with the secure digital account. For example, the disclosed system can receive a user interaction associated with a secure digital account and determine a fraud risk score corresponding to the interaction. The system can then assign the secure digital account a security tier and apply appropriate security limitations based on the security tier that corresponds with a determined risk of fraud.