Use Case · Onboarding Fraud

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.

checked before account creation device reuse across connected channels less blanket friction
The Problem

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.

Document checks miss behavior

Fraudulent applications can arrive with plausible identity data. Device, network, and interaction patterns reveal what the documents cannot.

One device, many accounts

Fraud farms open accounts in bulk from recycled devices and emulators that look clean when each application is reviewed in isolation.

Friction kills conversion

Piling verification steps on every applicant punishes low-risk customers to catch high-risk applications, and growth teams feel it first.

How Loci Stops It

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
// AccessGate verdict · signup checkpoint
{
  "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" }
}
Device intelligence
AccessGate

Fingerprints, emulator detection, and device-reuse checks across connected applications and channels, before the account exists.

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Bot & script detection
AccessGate

Scripted interaction patterns and too-perfect motion betray automation that document checks never see.

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Screening at signup
AccessGate AML

When enabled, sanctions, PEP, and watchlist screening can run alongside onboarding risk, with citations included.

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Precision friction
Decisioning

The host flow can trigger step-up verification only for risky applications, reducing blanket friction for real customers.

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Get Started

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.