Catch bad actors before the account exists.
KYC can miss the behavior and device patterns behind an application. Loci reads the device, session, and human interaction signals behind the signup flow before risk turns into an account.
KYC checks the documents. Loci checks the behavior behind the application.
Application fraud industrialized: farms, bots, and synthetics scale faster than manual review ever will.
Fraudulent applications can arrive with plausible identity data. Device, network, and interaction patterns reveal what the documents cannot.
Fraud farms open accounts in bulk from recycled devices and emulators that look clean when each application is reviewed in isolation.
Piling verification steps on every applicant punishes low-risk customers to catch high-risk applications, and growth teams feel it first.
Read the signup, not just the documents.
AccessGate collects device fingerprints and behavioral signals as early as the signup form: scripted interaction patterns, emulator signatures, risky network context, and devices already seen across the institution's connected channels surface before the account is created. When AML screening is enabled, sanctions and PEP checks can run alongside signup risk, while the host flow challenges only the applications that need more verification.
Behavioral Intelligence{
"session_id": "sess_8f3a…",
"device_fingerprint": "fp_c41d…",
"risk_signals": ["device_reuse", "scripted_interaction", "emulator_risk"],
"device_seen_on_accounts": 4,
"emulator_risk": "high",
"decision": { "outcome": "review", "action": "challenge" }
}
Fingerprints, emulator detection, and device-reuse checks across connected applications and channels, before the account exists.
Explore →Scripted interaction patterns and too-perfect motion betray automation that document checks never see.
Explore →When enabled, sanctions, PEP, and watchlist screening can run alongside onboarding risk, with citations included.
Explore →The host flow can trigger step-up verification only for risky applications, reducing blanket friction for real customers.
See the Platform →See risky signup behavior before the account opens.
A 30-minute walkthrough of onboarding checks on your own flow: device, behavior, and optional screening in one decision path.