- 2–3x
- the baseline rate of zero-payment defaults found by Numida’s rules in Uganda backtesting
- ~5.38x
- net financial impact relative to subscription cost
- < 60 s
- to create or change a fraud rule, without engineering
How Archer works
One fraud and AML system your compliance team runs itself
Archer Protect monitors transactions, screens customers, links accounts, and manages cases in one system. Your team writes and tests the rules itself, with no engineering ticket.
Fraud and AML in one place
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Today Monitoring means someone reading exports, spreadsheets, or an email for every payment.
With Archer Archer checks every event as it arrives. Only what needs a person becomes a case.
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Today A fraudster opens a second account, and nothing connects it to the first.
With Archer Accounts that share a phone, ID number, device, or bank account are linked, so a returning fraudster shows up.
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Today Fraud alerts, screening hits, and cases sit in separate tools, so nobody sees the whole customer.
With Archer Monitoring, screening, linked accounts, and cases share one view of the customer.
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Today Decisions sit in spreadsheets and chats, and every report starts from a blank page.
With Archer Each case records who decided what and why, and the report is drafted from it.
How it works
From an event to a decision
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Send your events
Your backend sends signups, logins, transactions, and account changes to Archer’s API as they happen.
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Archer checks each one
Your rules, sanctions and PEP screening, and the links between accounts run on every event.
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Archer acts
Archer opens a case, alerts your team, or sends a decision such as freeze or reject to your system.
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Decide the case
An analyst investigates on one page, records the reason for the decision, and drafts the report when one is due.
Rules your team changes and tests itself
Write a rule in plain English or in the builder, backtest it on your own history, and put it live the same day. Your compliance team does it all, with no engineering ticket.
Transaction monitoring and screening
Archer checks every transaction for money laundering and fraud as it arrives, and screens your customers against sanctions and PEP lists. Alerts from both land in the same queue.
Duplicate accounts and fraud rings
Archer links accounts that share a phone, ID number, device, bank account, or face. You see the whole ring, and a banned customer who comes back is caught.
Cases and reports
Alerts become cases in one queue, with the customer’s transactions, screening matches, and linked accounts on a single page. Analysts record why they decided, and goAML reports for Nigeria’s NFIU are drafted from the case.
Who it’s for
Fraud and AML for fintechs in emerging markets
Archer is for payment companies, lenders, crypto companies, wallets, and neobanks. More about Archer
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Payments and remittance
- AML monitoring across markets and currencies
- Mule accounts receiving from many senders
- The monitoring your sponsor bank or partner asks you to show
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Lenders
- Borrower rings and repeat applicants
- First-payment fraud alongside credit risk
- Staff linked to the borrowers they approve
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Crypto and stablecoins
- Monitoring the fiat deposits and withdrawals around your crypto flows
- Sanctions and PEP screening of your customers
- The case record your licence requires
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Wallets and neobanks
- Holding a high-value withdrawal from a new device
- Duplicate accounts and mules
- AML monitoring and screening for your licence
Customer results
What teams found running Archer
“Archer’s solution is really powerful. I wish we had it years ago!”
- 200%+
- ROI for Oxygen X over the initial deployment period
- ~5%
- higher approval rates while fraud controls got stronger
“Archer has consistently shown us patterns we wouldn’t have picked up otherwise.”
FAQ
Questions compliance teams ask us
What does Archer do?
Archer is a fraud and anti-money-laundering (AML) system for fintechs, payment companies, lenders, and crypto companies in emerging markets. It monitors transactions, screens customers against sanctions and PEP lists, links accounts that belong to the same person, and gives your team one queue of cases to decide.
Does Archer verify identities at signup?
No. Keep the provider that checks IDs and selfies when a customer signs up. Archer takes over from there, watching what the customer does after they’re in.
How does integration work?
Archer writes an integration spec for your business. You upload your history as files, with no code. Your backend then sends live events to Archer’s API and receives Archer’s decisions on a webhook, built and tested in a sandbox first.