A typical example demonstrates how different levels of behavioral authentication ensure the safety and security of credit loan services. (a) shows criminals collect information from victims and submit loan applications, and it can be addressed by behavioral identity authentication. (b) describes the illicit re-lending of funds activities that occur after the loan has been approved and disbursed, which belongs to the level of behavioral conformity authentication. In the auditing process, timely analyzing the flow of loans among different platforms and ensuring the predictability of lending risks, are the key issues addressed by behavioral benignity authentication, as shown in (c). Behavioral authentication expands through a progressive framework of sub-functions, i.e., identity, conformity, and benignity, to achieve gradual enhancement for the safety and security of credit loan services