Unit21

Fraud Solution Profile

Unit21 helps fraud teams grow revenue without growing fraud. Our AI infrastructure protects legitimate customers while stopping organized attacks in real-time — reducing false positives, minimizing unnecessary friction, and testing every control before it goes live, so fintechs and financial institutions can move fast without increasing risk. Unit21 unifies real-time monitoring, device intelligence, graph analysis, AI Agents, and cross-institutional fraud intelligence into a single platform, giving risk leaders direct control over detection logic and full audit defensibility for every decision.

Real-Time Monitoring — Interdiction at the speed of growth Sub-250ms detection across RTP, FedNow, Zelle, ACH, wires, cards, and crypto. Execute complex velocity rules and behavioral logic to block fraud before it settles, not after chargebacks hit. Multi-channel coverage through a single unified decision engine, where a login anomaly on mobile can influence a wire decision seconds later.

AI Detection & Investigation — Expand reach. Automate the catch. Purpose-built AI Agents that do the work, not just assist. The AI Detection Agent surfaces evolving patterns and recommends rule adjustments to reduce false positives. The AI Investigation Agent auto-reviews L1 alerts, gathers context, drafts narratives, and recommends dispositions — cutting investigation time by up to 90%. Every recommendation is explainable and auditable. Operational AI, not experimental AI.

Device Intelligence — Prevention at the front door A unified Device Risk Score (0–100) powered by 40+ curated signals: emulators, rooted devices, VPNs, tampered browsers, bots, and more. Native to the platform, glass box, not black box. Block bots and bad actors before they touch your platform, with signals flowing directly into Rule Builder and case workflows.

Fraud Consortium — An early warning system for fraud Only Unit21 sees fraud patterns across a network of 100+ fintechs, banks, and crypto platforms covering 100M+ U.S. adults. When one member confirms fraud, the entire network is protected instantly. Privacy-preserving (hashed PII, SOC 2 Type II) with a give-to-get model and no dollar cost. Catches repeat offenders, synthetic identities, and mule networks before they reach your platform.

Graph Analysis & Testing Mode — Expose rings. Deploy with confidence. Graph Analysis visualizes and dismantles organized fraud rings, instantly revealing hidden connections between devices, IPs, and wallets. Testing Mode (Shadow + Validation + Sandbox) runs new rules against historical and live data so you can see impact on approvals, false positives, and customer experience — deploy with confidence without accidentally blocking legitimate customers.

Customer Impact

• Kinecta Federal Credit Union — 50% reduction in false positives, catching 2x the fraud
• Lili Bank — 50% fraud loss reduction, 75% faster investigations
• Service Credit Union — 70% decrease in fraud loss
• Pacific West Bank — Two true positive hits at Consortium go-live
• Nexo — 93% false positive reduction, 57% AI automation of alert reviews
• Uphold — 44% faster reviews, SAR/STR prep from ~1 week to under 30 minutes