You hit the nail on the head - this type of problems is exactly what we try to solve. Someone like N26 would ofc be a dream customer. If there are any N26 employees here, hit us up ;)
edit: i mean, you claim "Success signal Binary — Yes or No" but there's face verification involved. how is that not a threshold signal in the end where the system can still be fooled/passed the verification decision back to the client? ...seems like a more expensive step before the video call in the end :)