Whether you issue cards or move money inside a wallet, the risks are the same: fraud on every authorisation, attacks at volume, mules, ATO, and a regulator asking for more and more on transaction AML. Fraudio covers all of these fronts in a single integration, with a decision in under 100ms.
Issuers and wallets live the same problem from different angles. Fraudio covers both realities with a unified model. Same engine, same network, parameterised to the flow you need to protect.
Debit, prepaid or credit card programmes that need to defend every authorisation and protect their licence with the schemes. The anti-fraud layer your issuing core doesn't give you, and that the regulator demands more of every year.
Wallets, remittance platforms and instant payments, where money moves at the speed of a message. An AI layer that monitors every transfer, detects mules and delivers transaction AML that is ready for the regulator.
Whether you issue cards, run a wallet or both, these are the pieces that switch on for your case. Same engine, same network, parameterised to your flow.
Patented technology that trains a single model on transactions from across the whole network, spanning issuing, acquiring and A2A. Patterns we see in another market protect you before they reach yours.
A 0–1 score on every event, with three-way routing: approve, challenge with biometric step-up, or block. You only pay for expensive validation when there is real risk.
No-code editor with LLM assistance. Your team creates rules, tests them against history and publishes them without an IT ticket and without waiting for a Fraudio release.
Configurable rules, behavioural AI, link analysis, sanctions and PEP lists. Workflows with SLAs, an immutable audit trail, exports ready for the regulator.
No setup fees, no implementation charges, no per-rule licences. Unit cost falls as volume grows. A commercial commitment aligned with your business.
Local infrastructure in LATAM, Europe, Africa and Asia. Data-localisation compliance without losing the network effect of the global AI.
Different geographies, different contexts, the same model: one integration into the platform, protection inherited by every customer operating on top of it.
Pismo, based in Brazil and part of the Visa group, is one of the most significant cloud-native issuing processors globally. Through Pismo we work with regional issuers, each protected from transaction one, with no separate integration.
Through Gnosis Pay we also cover the world of crypto issuers and wallets, with the same real-time fraud and AML model. Same network, same AI, adapted to the on-chain flow.
PMI Americas runs cross-border payment infrastructure for Latin America and Europe, with a local presence in Mexico, Brazil, Chile, Colombia, Peru, Uruguay and Spain. Fraudio covers B2B flows, remittances, pay-in, pay-out and card issuing with real-time transaction AML and anti-fraud monitoring.
A leading processor in India and Asia-Pacific, running both issuing and acquiring. Local deployment that meets the regulator's data-localisation requirements. Same engine, same network, full data sovereignty.
One of South-East Asia's leading fintech platforms, with issuing infrastructure for businesses in Singapore and Indonesia. Fraudio operates inside Fazz as a channel partner, with local fraud detection and AML in each market.
Through Silverflow we work with global acquirers. The intelligence Fraudio builds up on the acquiring side feeds the models on the issuing side. It is the network effect in practice, with an immediate benefit for issuing-side customers.
If you are a processor, or your platform offers Banking as a Service, or you issue cards for third parties, Fraudio deploys in multi-tenancy: each of your customers gets their own isolated environment, with your rules as the floor, and your brand on top or powered by Fraudio, whichever you prefer.
Each of your customers in their own isolated environment. You set the minimum platform rules. They manage their own within your limits.
Co-branded or white-label. The anti-fraud layer joins the catalogue of your BaaS proposition, giving you differentiation against competitors and a potential additional revenue line.
Provisioning via API. A new customer is live in hours, not weeks. No project, no involvement from the Fraudio team.
Success is not blocking more transactions. It is blocking the right ones and letting the right ones through, silently, in milliseconds, without asking your real customer to look at the camera every time they buy a coffee.
Goes through with no friction. No face biometrics. No OTP. Green score, straight authorisation.
Step-up with biometrics or dynamic 3DS. Only when the validation is worth paying for.
Blocked at authorisation. The transfer never reaches processing.
A technical session with the Fraudio team: we review your stack, map which event in each flow needs protection, and show the consolidated decision live.