Comparison

Octet vs Incognia

Last reviewed 20 October 2026

Incognia uses an SDK to combine device, app and location signals into a risk result of low, high or unknown for fraud teams; Octet uses an SDK to answer a specific region question on the phone and returns a yes or no signed in hardware that anyone can verify offline.

What is the difference between Octet and Incognia?

They return different kinds of answer. Incognia returns a risk result about a device or session. Octet returns a signed yes or no about whether the device is inside a region you name, which a regulator or counterparty can check without asking Octet.

	Octet	Incognia
The question it answers	Is this device inside this region, now?	How risky is this device or session?
What you get back	YES, NO or INDETERMINATE, signed in the phone’s secure hardware	“A result that indicates whether the risk is low, high or unknown” (Incognia)
What leaves the device	The verdict. No coordinates	Device and location information, including “GPS, or other signals” (Incognia)
Who can check it	Anyone, offline, with open-source octet-verify	Incognia returns the result
Main uses	Compliance, authentication, payments	Delivery, ride-sharing, marketplaces and financial services fraud (Incognia)

Incognia is described from its own website and privacy policy, as of 20 October 2026. Trademarks belong to their owners.

What that means in practice

It matches the rule. A region verdict maps directly onto rules written in terms of place: a state line, a sanctions list, a licence area.
No location data to hold. The coordinates stay on the phone. See verifying location without collecting it.
A record others can check. See offline verification.

What this does not establish

This compares what each product returns, not how well either works. Neither company publishes externally audited accuracy. An Octet verdict answers for a device, not a person.