Industries · Lending & BNPL

A clean borrower, in under two seconds.

At checkout, friction loses the sale and fraud eats the book. Detekta runs KYC, fraud and AML screening in one instant decision — orchestrated to the best provider — so you approve the real customer and stop the synthetic one, without slowing either down.

detekta · checkout decision live
🧾
Application · BNPL · BRL 2,800
K. Almeida · new applicant
IdentityKYC · document & livenessverified
Synthetic checkidentity-cluster & devicegenuine
AML & sanctionssource of funds · PEP · listsclear
Decisionpolicy-scoredapproved
deciding…no checkout drop-off
What lending compliance demands

Speed and risk, in the same instant.

Every approval is a bet. You have to know who's borrowing, whether they're real, and whether the money is clean — before the page reloads.

Instant KYC

Verify identity at checkout in seconds, routed to the provider with the best pass rate for that market.

KYC · IDV · liveness
👥

Synthetic identity

Spot fabricated and stitched-together identities through clusters, devices and shared signals.

synthetic · device
🎭

First-party & bust-out

Catch borrowers who build trust to default — behavior that only shows across accounts.

first-party · bust-out
💧

AML & source of funds

Screen for mule activity and dirty repayment flows, not just at onboarding but for life.

AML · mule · SoF
🚫

Sanctions & PEP

Every applicant screened against global and local lists, re-consulted continuously.

OFAC · COAF · local
🏢

KYB for SME lending

Lending to a business? Resolve it to the real owner before you extend a line.

KYB · UBO
One platform, every rail

Your whole lending stack, orchestrated.

Detekta sits above your KYC, fraud and screening vendors — routing each check to whoever's best and returning one decision your risk engine can act on.

Instant onboarding

orchestration
Best-provider KYC per market — the highest pass rate at the lowest friction, in real time.
Orchestration →

Fraud & AML monitoring

AML
Repayment and disbursement flows scored live; bust-out behavior bundled into a case.
Monitoring →

Sanctions · PEP · media

screening
Every applicant and party screened, global and local, re-consulted continuously.
Screening →

KYB & UBO

detect
For SME and merchant lending, resolve the business down to its real beneficial owner.
KYB / KYC →

Agentic investigations

decide
When fraud surfaces, agents build the case and draft the report — you sign.
Investigations →

Obligations & filings

defend
AML obligations and reports tracked per jurisdiction — examiner-ready on demand.
Compliance hub →
One decision

KYC, fraud and AML — in a single call.

Stack three vendors in sequence and you've added seconds and abandonment to every checkout. Detekta runs identity, fraud and AML in parallel and returns one orchestrated decision — fast enough to sit inside an approval flow, deep enough to defend it.

1.8s
to a defensible approve / decline
KYCFraudAMLPolicy
Built for checkout scale

The sale won't wait.

Sub-second

A decision fast enough to live inside the approval flow — no spinner, no drop-off.

🌍

Every market

Provider routing and rules configured per region as you expand your lending footprint.

🤖

Agents do the volume

The bulk of reviews resolve autonomously — your team works the sharp fraud cases only.

Detect. Decide. Defend.

Bring your decline pile.

We'll re-run the approvals you weren't sure about — and the declines you may have lost wrongly — and show you the difference orchestration makes.