How Cash App’s 3DS Data-Only Approach Improves Fraud Control and Member Experience – Simultaneously
By: Sergio Valencia, VP, Authentication Risk Management, VeleraSummary: In July 2025, Cash App expanded its use of EMV 3-D Secure (3DS) – resulting in a 27% reduction in fraudulent transactions in one month. In this blog post, Sergio Valencia, Velera’s VP of Authentication Risk Management, explains how Cash App uses the 3DS "Data-Only" mode for improved fraud control and member experience.
Sergio Valencia: As Vice President of Authentication Risk Management at Velera, Sergio Valencia leads fraud prevention efforts across key authentication and authorization channels. With over a decade of experience in risk management, Sergio has helped financial institutions mitigate fraud across debit, credit, and emerging payment platforms while maintaining seamless member experiences. At Velera, Sergio is responsible for driving strategy and execution across channels such as 3D Secure, token management, Shared Branch, Zelle® and fraud intelligence. His work emphasizes collaboration, data-driven decision making, and a relentless focus on improving outcomes for both clients and their members.
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