Stop fraud
before it moves.
The PreCogs is proprietary Agentic AI that augments the fraud and AML tools you already run — catching the most sophisticated fraudsters others miss, while cutting false positives by 70%+. Decisions in under 0.001s. Where foresight is 20/20.
Your AI-based avenger to fight financial crime.
Make the fraud stack you already own precognitive.
The PreCogs is not a rip-and-replace. It's an intelligence layer that sits on top of the fraud and AML tools your institution already runs — your rules engines, your scoring models, your case management — and makes them dramatically smarter. Plug it in alongside your core banking platform and payment rails, and start catching the fraud they miss without slowing a single legitimate transaction.
- Drops in beside your existing rules engines and scoring models — no rip-and-replace.
- Compatible with core banking platforms and payment processors.
- One intelligence layer across cards, check, ACH, wire, and RTP.
- Real-time or batch — works the way your operation already works.
Same transactions. Flip the switch.
One live stream of payments. Watch what your current stack flags — then add The PreCogs and watch the noise disappear while the real fraud gets caught.
Blunt thresholds flag good customers (false positives) while behavioral fraud with valid credentials slips through. Flip the switch.
Fraudsters adopted AI faster than the institutions chasing them.
Financial institutions face a double-edged challenge: balancing security with customer experience. Despite heavy investment in traditional fraud detection, the gap keeps widening.
Rising fraud & limited resources
- Fraudsters are adopting AI faster than institutions can keep up.
- Your customers' IDs and data are already on the dark web — bypassing ID-based validation.
- Many systems still depend on manual review or post-transaction detection.
High false positives & missed detections
- Rule-based and static-ML systems flag legitimate transactions as suspicious.
- Legacy tools miss contextual, behavioral, and cross-channel fraud signals.
- It frustrates loyal customers, slows payments, and erodes trust.
You need a solution that behaves like a human — but moves at machine speed.
Pick a pain point. See how The PreCogs answers it.
Every challenge your fraud team fights today — and exactly how The PreCogs neutralizes it.
Rising fraud losses with limited budgets
- Agentic AI automates investigation with a human in the loop, where needed.
- No constant rule-tuning or dedicated data-science team required.
- One engine replaces multiple point tools.
Less fraud. Fewer false alarms. Happier customers.
Balance security & customer experience
Boost trust and growth by reducing fraud losses by 85% and false positives by 70% — securing both cross-border and domestic payments.
Agentic AI that thinks like a fraud investigator
Human-like reasoning at machine speed, with autonomous fraud decisions and logic that keeps evolving on its own.
Cost-effective and scalable
Enterprise-grade fraud intelligence at a fraction of the cost of legacy systems, with pricing that scales with your transaction volume.
Reduced regulatory & compliance risk
Explainable AI delivers audit-ready transparency — every decision is traceable for compliance.
Not another rules engine. A mind that reasons about fraud.
The PreCogs thinks like your best fraud investigator — at machine speed, around the clock, evolving on its own.
Catches valid-credential fraud
Detects behavioral anomalies even when credentials match and authentication passes — the blind spot of every ID-based system.
Context & intent, not thresholds
Decisions are driven by behavior, context and intent rather than blunt static rules that punish good customers.
Human-in-the-loop automation
Agentic AI automates investigation and customer notification, escalating to your team only as and where needed.
Self-evolving against new tactics
24/7 adaptive learning with Agentic AI + Generative Adversarial Networks (GANs) anticipates fraud patterns before they emerge.
Explainable & audit-ready
Every decision is traceable to behavioral signals and risk context — built for examiners and compliance teams.
Currency & rail agnostic
Supports multi-currency transactions across fiat and digital currencies, and correlates across cards, check, ACH, wire and RTP.
Two AI minds. One precognitive engine.
A multi-layered, self-evolving engine purpose-built for fraud and money laundering — with privacy designed in from the first line.
Anti-Fraud Model
Detects and addresses risk from synthetic identities, account takeovers, and payment fraud — in real time.
Money Laundering Detection Model
Identifies laundering techniques like structuring, layering, and trade-based laundering across the money flow.
Agentic AI
Adapts through unsupervised learning to counteract evolving fraud tactics — autonomously.
Predictive analytics
Analyzes historical data to predict and manage fraud patterns before they emerge.
Zero-knowledge proofs & homomorphic encryption
Protects data privacy and enables secure computation without ever exposing sensitive information.
Zero personal data required. The PreCogs detects fraud from behavior and context — not your customers' identities.
Proof, at scale, in production.
Wherever money moves, The PreCogs sees the fraud first.
Banks
From community and regional banks to nationals — enterprise-grade fraud intelligence without big-bank infrastructure or a data-science team.
Credit unions
Protect members and their trust with quiet, preemptive fraud prevention that scales with your volume, not your headcount.
Payment processors
Score and clear transactions in under 0.001s across cards, ACH, wire and RTP — without adding latency to the rails.
Point-of-sale software
Embed real-time fraud and card-testing detection directly into your platform as a differentiating intelligence layer.
Insurance carriers
Detect fraud across the claim storyline — forms, treasury and claims — the way we partner with a large insurance carrier today.
Fintechs & embedded finance
BaaS providers and embedded-payment platforms get an API-first fraud layer that scales with volume and evolves on its own.
Neobanks & digital banks
Stop synthetic-identity onboarding and instant-payment fraud at digital speed — without a fraud ops army.
Lenders & BNPL
Catch loan stacking, first-party bust-out, and synthetic borrowers before you disburse a dollar.
Marketplaces & platforms
Detect seller-buyer collusion, triangulation fraud, and payout abuse across both sides of your marketplace.
Digital wallets & P2P
Break up mule networks and scam-induced transfers in real time, while letting legitimate payments fly.
Crypto & digital assets
Flag structuring, layering, and risky counterparties across fiat-to-digital on- and off-ramps — currency agnostic.
Deep fraud coverage, tailored to your industry.
Pick your industry below — see the exact fraud you fight and how The PreCogs neutralizes it.
Banks
Community and regional banks face the same sophisticated fraud as the nationals — without the data-science teams or the budgets. The PreCogs layers enterprise-grade intelligence on top of your core banking platform and rails, so you catch what your rules engine misses.
Account takeover & credential fraud
- Login from a new device or geography, then a payee change
- Password reset or contact-info change right before a transfer
- Dormant account reactivated just before a large withdrawal
Authorized push payment (APP) scams
- Customer-initiated wire to a brand-new beneficiary
- Scripted, hesitant behavior inconsistent with the customer's history
- Beneficiary linked to known mule accounts across the network
Check fraud resurgence
- Altered payee or amount; abnormal deposit/withdrawal timing
- Agentic AI + GANs flag abnormal check behavior before it clears
Synthetic identity & first-party fraud
- Thin-file new accounts with rapid credit build, then bust-out
- Shared device fingerprints or recycled identity fragments
- One intelligence layer across cards, check, ACH, wire and RTP — cross-channel correlation catches linked fraud others miss.
- AML transaction monitoring without big-bank infrastructure; every alert is traceable for examiners.
- Decisions in under 0.001s — no added latency, no rule-tuning team.
Prove it on your own data — then scale.
Run a standalone test on your historical transactions and watch false positives fall from ~35% to ~5%. Then augment your live stack.
Proof of concept — a standalone test
- Typical scope: 3M+ historical transactions.
- Identifies threats in under 0.001 seconds — far faster than legacy systems.
- Run in real time or in batch.
- Cuts false positives from ~35% down to ~5%.
Full-scale implementation
- Augments and enhances the fraud tools you already run.
- Compatible with core banking platforms and payment processors — real-time, no added latency.
- Predictive & self-evolving: GANs anticipate new fraud patterns; Agentic AI reasons like a human, with no re-calibration mandates.
- Supports multi-currency transactions across fiat and digital currencies.
Your AI-based avenger to fight financial crime.
Agentic AI that thinks like your best fraud investigator — at machine speed, around the clock, evolving on its own. It augments the stack you already run and catches the fraud others miss. Where foresight is 20/20.
See what The PreCogs sees on your data.
Tell us where money moves in your world. We'll show you exactly how The PreCogs augments your existing stack — and we'll reply to every note.
