Under the UK's mandatory APP-scam rules you now share the cost of every mule account you host. Confirmation of Payee confirms the name matches the account — we tell you the account is a mule, with the evidence behind every flag.
Anti-fraud stacks run on internal signals — device, behaviour, IP. The FCA found firms over-rely on outbound monitoring while inbound mule funds go unchecked — and that the same operator is a mule across other banks you can't see.
Close the account in one bank and the operator simply opens another somewhere else. The intelligence has to follow the entity, not the account.
Plug into the moment that matters — screening an outbound payment, or sweeping the mule accounts already living inside your bank.
Confirmation of Payee confirms the name matches the account. It can't tell you the verified account is a mule. A point lookup against our base does — in real time, even when the account sits at another bank — returning a verdict and its evidence.
Check account holders against our base — at onboarding, before you open the account, and continuously across your existing customers. If anyone you bank is flagged as a mule anywhere, you know in real time — before a victim pays or a reimbursement claim lands.
Others message a scammer and wait for a payment requisite — always a step behind. We collect at the source of supply, where the accounts come from.
Scammers don't open accounts in their own name. They source them from grey exchangers, P2P desks and drop markets — that's where we are.
Scammers run accounts across many banks. We resolve the operator behind them — so a mule blocked at one institution is already known at the next.
Bank accounts, wallets, payment apps, URLs and phones — correlated by campaign into a single multi-rail feed.
No black box. Each record arrives with the evidence behind it — so your team and your auditors can see why it's flagged, and clear the evidential bar to file an NFD marker.
Complete coverage across the payment methods mules actually receive on — each indicator mapped automatically to the issuing institution.
Candidate accounts are surfaced early and confirmed against independent signals before they reach your feed. Every indicator carries a label you can filter and act on:
// collection methodology disclosed under NDA
We publish intelligence indicators with a basis — never a verdict on a person. Each flag is reviewed for precision before delivery, controlling false positives and defamation risk.
Built to UK & EU GDPR. Processed on a legitimate-interests basis for fraud prevention, scoped to your institution, minimised by default.
A real-time API and a scoped batch feed that drop into your existing transaction-monitoring and case-management — no re-platforming. Webhook, CSV/JSON; STIX/TAXII on request.
Shape the feed against your own rails and decisioning, and get first access before general availability.
Book a working session — we'll show the intelligence surfacing against every rail your mules use, live.