Powered by Plaid · Built for financial institutions & merchants

Intelligent Detection for
Impossible Events

AI-powered fraud detection for banks, credit unions, and online merchants. Real-time ATO detection, synthetic identity scoring, and P2P scam prevention — all powered by Plaid's open banking network.

Open Analyst Dashboard View API Docs

$1T+

Global fraud losses per year

<100ms

Real-time scoring latency

1,000+

Signal attributes via Plaid

Three Core Detection Engines

Covering the most damaging fraud types facing FIs and merchants today

Account Takeover

Detect credential stuffing, session hijacking, and behavioral anomalies using device intelligence and velocity signals combined with Plaid Identity Match.

Synthetic Identity

Score synthetic and stolen identities at account opening using Plaid IDV Anti-Fraud Engine — the fastest-growing financial crime category.

P2P Payment Scam

Detect authorized push payment scams in real time across Zelle, Venmo, WeChat Pay, and other digital wallets using NeuroSwan's scam graph model.

Who We Serve

Financial Institutions

Banks & Credit Unions

  • AML/BSA Watchlist Monitoring (Plaid Monitor)
  • Synthetic identity scoring at account opening
  • Account takeover detection for online banking
  • Real-time ACH fraud prevention (Plaid Signal)
  • Regulatory-grade audit logs
E-commerce & BNPL

Online Merchants

  • Account creation fraud (Plaid IDV)
  • ACH/bank transfer risk scoring
  • WeChat Pay & digital wallet fraud detection
  • Chargeback prediction model
  • Self-serve API — no sales cycle required

Two API Services

Real-time and batch — integrate in minutes

POST/api/v1/fraud/detect

Real-time scoring — under 100ms. Evaluate a single transaction for immediate allow/review/block decision.

{
  "transaction": {
    "external_txn_id": "TXN-8823",
    "amount": 4200,
    "payment_method": "ach"
  },
  "signals": {
    "plaidSignalScore": 82,
    "isTor": false,
    "newDeviceFlag": true
  }
}
POST/api/v1/fraud/batch

Batch processing — up to 1,000 transactions per request. Ideal for end-of-day reconciliation and historical scoring.

{
  "transactions": [
    { "external_txn_id": "T001",
      "amount": 850,
      "payment_method": "wechat" },
    { "external_txn_id": "T002",
      "amount": 12000,
      "payment_method": "ach" }
  ]
}