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Incognia

Incognia is the leader in AI-powered cross-device risk intelligence. Its platform combines device intelligence, tamper detection, and apartment-level location intelligence to distinguish legitimate users from fraudsters across devices, in real time. Used by financial services and consumer internet companies, Incognia delivers evidence-based risk assessments grounded in physical behavior, with a false positive rate of 0.0000058% on combined device and location signals.

Location:Palo Alto, United States
Founded: 2020

Fraud Solution Profile

Incognia provides an AI-powered cross-device risk platform for companies that rely on trusted digital interactions. Its proprietary AI engine analyzes hundreds of device, location, and integrity signals to determine in milliseconds whether a user is trusted or risky, before they can abuse the platform.

Most fraud prevention tools live entirely in the digital layer, relying on signals that generative AI and Fraud-as-a-Service tools can now easily replicate. Incognia takes a different approach. By grounding its AI models in physical reality, the platform links digital identities to real-world behavior. The result is a risk signal that cannot be faked at scale, even by organized fraud rings, mule networks, and device farms.

The platform is built on three integrated layers. Device Intelligence delivers persistent recognition that survives resets, reinstalls, and OS changes across both mobile and web. Tamper Detection identifies emulators, GPS spoofing, rooted devices, app cloners, and bot activity at the session layer. Location Intelligence resolves user behavior at apartment-level precision (under 10 feet), exposing fraud farms operating from physical hubs and distinguishing trusted locations from suspicious ones.

Incognia is deployed on roughly 1 billion devices across 200+ countries and is trusted by more than 50% of the top gig economy platforms globally, along with leading financial services, marketplace, and travel companies. Customers include Webull, ZEPZ, Cabify, FreeNow, Just Eat Takeaway, Grubhub, Delivery Hero, and iFood.

 Customers

ZEPZ, Webull, Nextdoor, Delivery Hero, Just Eat Takeaway, Grubhub, Favor, Cabify

 Industry
Ecommerce, Financial Services
 Primary Functionality
Identity & Authentication
 Fraud Type
Account Takeover, Loyalty or Promo Abuse, New Account Fraud, Payment Fraud, Synthetic Identity Fraud
 Technology
Behavioral Biometrics, Machine Learning, Rules Engine