Acceptto tracks user interactions, transactions, and application usage to build detailed user profiles within various application environments, which helps in determining the legitimacy of access attempts or identifying potential threats. The system operates without the necessity for passwords or tokens. Its risk engine assesses the validity of access attempts by monitoring user and device behavior before, during, and after the authentication process. In a time when identity threats are widespread, we offer a continuous and adaptive authentication system, complemented by real-time threat analysis. Our unique risk scoring mechanism, driven by advanced AI and machine learning algorithms, determines a dynamic level of assurance (LoA) for each access request. Moreover, our methodology automatically identifies the most effective policies for each transaction, enhancing security while reducing user inconvenience through the use of AI and machine learning insights. This ensures that users enjoy a seamless experience, all while maintaining robust security measures for enterprises in a constantly evolving threat landscape. As such, Acceptto not only protects sensitive information but also fosters trust and efficiency within organizational operations.