- ~5%
- higher approval rates at Oxygen X while fraud controls got stronger
- 200%+
- ROI for Oxygen X over the initial deployment period
“With Archer in place, we’ve been able to grow without tightening the screws on good customers.”
For wallets and neobanks
Fraud and AML for wallets and neobanks
Archer Protect stops mule accounts and taken-over wallets before the money leaves, and lets customers who only want to pay get on with it. Your compliance team runs the rules itself, and the same system does your AML monitoring.
Money leaves a wallet in seconds
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Today Scam money lands in a wallet and is gone before anyone looks at it.
With Archer Money that comes in and goes straight out is caught on arrival, and the withdrawal is held.
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Today A fraudster with a victim’s phone signs in on a new device and empties the balance.
With Archer A large withdrawal soon after a new device or a changed phone number is held until someone checks.
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Today Rules tight enough to stop fraud also block good customers, who complain and leave.
With Archer Backtest a rule on your history and see how many good customers it would have stopped.
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Today Each new rule waits on an engineer, then goes live without a test.
With Archer Your compliance team writes, tests, and publishes the rule on the same day.
Mule accounts and pass-through money
Rules catch money that comes in and goes straight out, many senders paying one account, repeated credits of the same fixed amount, and payments split to stay under your tier limits. A wallet sold or lent to a fraudster shows up through the device and phone it now shares with other accounts.
Account takeover: hold the withdrawal, not the customer
A sign-in from a device the customer has never used, a changed phone number or email, a withdrawal minutes later: one rule puts the signals your app already sends together and holds the payout. When you need a verdict before the payment completes, Archer returns it inline.
Fewer false positives on good customers
A rule can apply to one KYC tier, one country, or new accounts only. Backtest it to see who it would have stopped before it goes live, then use rule analytics to see which rules catch fraud and which only create support tickets.
Every flow, not just withdrawals
Top-ups, transfers between customers, card spend, mobile money, and crypto sit in one view of the customer. A new product means a new kind of event you send, not a new vendor. Fraud and AML rules share the same data and the same case queue, and referral or promotion abuse is one more rule.
The AML monitoring your licence asks for
AML transaction monitoring, sanctions and PEP screening, a recorded reason for every decision, and goAML reports for Nigeria’s NFIU drafted from the case.
An example: a takeover stopped at the withdrawal
Example data. At 10:02 a customer signs in from a device they have never used. At 10:04 the phone number on the account changes. At 10:07 a withdrawal for the full balance comes in. Archer’s rule holds it, opens a case, and alerts the analyst, who calls the customer on the old number before any money leaves.
Customer results
What teams found running Archer
- < 60 s
- for Numida’s risk team to create or change a fraud rule, without engineering
“We review rule performance weekly and adjust directly in the platform. If we identify a new pattern, we don’t need to wait for engineering.”
FAQ
Questions compliance teams ask us
Can Archer stop a withdrawal before it completes?
Yes. A rule sends hold, freeze, or reject to your system by webhook, or Archer returns a verdict inline before the withdrawal completes.
Will it block our good customers?
Only if you choose to. You see the effect before a rule goes live: backtest it on your history, and scope it to the tiers, countries, or account ages where the risk is.
Does Archer cover fraud or AML?
Both, on the same customer data and in one case queue.
What happens when a customer signs up?
Archer links the new account to every account you already have, banned ones included, through a shared phone, ID, device, bank account, or face.
One system
The rest of Archer
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How Archer works
From a rule firing to a closed case, in one place your own team runs.
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Rules and backtesting
Your compliance team writes rules in plain English, backtests them on your own history, and puts them live the same day.
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Transaction monitoring and screening
AML and fraud rules on every transaction, with sanctions and PEP screening. Your compliance team writes, backtests, and tunes the rules itself.
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Case management and reporting
Queues with deadlines, one page per investigation, a reason on every decision, and goAML reports drafted from the case.
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Duplicate accounts and fraud rings
Links accounts that share a phone, ID number, device, bank account, or face, shows the whole ring, and catches banned users who sign up again.
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AML and fraud for payments and remittance
AML and fraud rules on every payin and payout, sanctions and PEP screening, and a decision before the money leaves, run by your own compliance team in every corridor.
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Fraud detection for lenders
A fraud layer beside your credit model that catches borrower rings, first-payment fraud, and staff collusion before you disburse.
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AML monitoring for crypto and stablecoins
Rules on deposits and withdrawals, blockchain-analytics alerts beside the fiat activity, sanctions and PEP screening, the Travel Rule, and the record your licence asks for.
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