Incandor

Incandor detects fraud on banking and fintech platforms by learning how every user physically behaves — mouse dynamics, keystroke timing, scroll patterns, and on mobile, how they hold their phone. Founded by two Stanford engineers and backed by Y Combinator, Incandor builds a behavioral map of every user on your platform — no fraud labels or historical data required.

At the individual level, it identifies account takeovers with >99% accuracy. At the population level, coordinated rings, mule operators, and coerced sessions separate out naturally. Rather than a black-box risk score, fraud teams query the map via a programmable API.