Regulator-ready fraud infrastructure for regulated money movement.
Purpose-built controls for card, ACH, RTP, wire, and account lifecycle — with audit trails your examiners will respect.
From account opening to card auth to wire release, Scorift protects each step with sub-50ms decisions and a policy layer your compliance team can defend in an exam. Deployable in-region for US, EU, and UK data residency, with sanctions and PEP screening at the API layer.
Application fraud
Synthetic identity, doc tampering, and serial re-application detection.
Card & ACH auth
Real-time scoring at auth — CNP, card-present, ACH, RTP, and wire flows.
AML controls
Sanctions/PEP/adverse-media screening, structuring, and unusual-activity models.
Account takeover
SIM-swap, device swap, session risk, and step-up trigger signals.
- Sanctions and watchlist screening included at the API layer (OFAC, UN, EU, UK HMT).
- SAR-ready case files with immutable audit trails and one-click PDF export.
- SOC 2 Type II, PCI DSS Level 1, ISO 27001, and NIST 800-53 aligned controls.
- Data residency for US, EU, and UK with per-tenant HSM-backed encryption.
From event to decision in four steps
IDV, doc verification, and synthetic identity scoring at signup.
First-time funding source scoring — card, ACH, PIX, UPI, faster payments.
Auth-time scoring on every payment with sanctions and PEP screening inline.
Continuous transaction monitoring with SAR-ready case management.
Built for every risk moment
Prevent synthetic identity and mule account creation in the signup flow.
Detect merchant-bust-out and factoring fraud with connected-entity signals.
Score irrevocable rails in the milliseconds that matter.
Behavioral biometrics + device intel for BIN-level policy.
Independently audited and continuously monitored.
Multi-region active-active with graceful degradation.
Every decision ships with a signal breakdown for your analysts.
Talk to a fraud engineer or spin up a sandbox today — no credit card required.