Doesn't the customer authorize the scam payment themselves?

Yes — that's why traditional fraud signals are clean. The customer's device is real, their session is real, their authorization is real. The scam pattern only becomes visible when you also verify the recipient. That's what KYRI™ adds.

Will this slow down the customer experience?

No. ActionID™ runs passively in the background through the customer's existing mobile flow. KYRI™ adds zero latency to the recipient check — risk decisions are returned in milliseconds.

Scam Prevention

Stop scams before
the money moves.

Banks have spent a decade verifying senders. The scammer-in-the-loop attacks bypass all of it. IronVest verifies BOTH sides - sender intent AND recipient legitimacy - so scams get stopped while funds are still recoverable.

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Scam losses rising

+25%

Year-over-year growth in authorized push payment scam losses, the fastest-growing fraud category in banking.

Source: ACI Worldwide, 2024

Sender-side blind spot

100%

Of legacy fraud stacks verify only the sender - device, session, identity, authorization. None ask whether the recipient should receive the funds.

Of consumers exposed

73%

Of Americans have experienced some form of online scam - making every customer base, not just outliers, a target.

Source: Alloy 2025 State of Scams Report

How we do it

Verify identity AND intent - on both sides of the transaction.

IronVest combines ActionID™ (sender side) with KYRi™ (recipient side) to close both halves of the scam blind spot.

ActionID™ verifies the sender is the legitimate customer and that they understand exactly what they're approving. KYRi™ verifies the recipient is who the customer thinks they are, and is not a known mule or active-scam endpoint.

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Jake's iBank Mobile device showing a KYRI alert

Why it works

Two Sides. One Clear Outcome.

Customers feel protected

For the first time, customers can trust that even if they're manipulated into initiating a transfer, the bank has a backstop. KYRi™ verifies the other side of the transaction, so a momentary lapse doesn't turn into a financial disaster.

Fraudsters are deterred

Scammers rely on the recipient side being invisible to banks. KYRi™ eliminates that invisibility. For the first time, anomalous recipient behavior is a signal, and fraudsters have nowhere to hide.

Scam types we eliminate

Frequently Asked Questions

Have questions? Look here.

The blind spot in every legacy stack is the recipient. KYRi closes that gap by running real-time intelligence on the receiving side before the transaction clears - checking recipient identity, account age, watchlist flags, graph risk anomalies, and more. Because the recipient is scrutinized at the moment of payment rather than investigated after the fact, a scam can be stopped while funds are still recoverable.

Verify the other side of every transaction.

See how pairing ActionID™ + KYRi™ eliminates scammer-in-the-loop fraud — and shifts liability decisions back in the bank's favor.

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Stop scams before the money moves.