Bureau Risk Decisioning Platform

Bureau is an AI-powered fraud prevention and identity decisioning company incorporated in Delaware, United States, and operating through a subsidiary in India. It helps banks, lenders, fintechs, crypto platforms and digital marketplaces stop account takeover, fake applications, money mules and promotion abuse in real time.

Its platform is a unified risk decisioning engine that combines device, behavioural, identity, network and transaction data. Building blocks include a persistent Device ID with device graphs, behavioural biometrics, document-based ID verification, a Graph Identity Network that produces a mule score, alternative data from digital footprints and runtime application self-protection for mobile apps. Ready solutions cover onboarding, KYC and KYB, bot detection, location spoofing, credit underwriting and transaction monitoring, used by more than 200 brands.

• Device ID: Creates a persistent device fingerprint that survives resets and incognito use.
• Behavioural biometrics: Analyses more than 160 attributes to flag anomalous sessions.
• Graph Identity Network: Links devices, accounts and behaviours to score money mule risk.
• ID and business verification: Runs KYC and KYB checks inside onboarding flows.
• RASP and bot detection: Detects emulators, rooted devices, tampered apps and botnets.
• Unified decisioning: Combines all signals into real-time risk decisions and rules.

A Vietnamese bank can score accounts for money mule risk using device graphs and transaction patterns. A digital lender can block emulator farms and fake applications during onboarding. An e-wallet or e-commerce app can stop promotion abuse and account takeover with persistent device IDs.

Bureau reports a 70% reduction in manual reviews and coverage of more than 195 countries with over 1 billion verified identities. Its Device ID is designed to persist through factory resets and incognito mode, with a stated 95% reduction in collusion-based abuse. Aditya Birla Capital is quoted as identifying 20% more fake applications.

Money mule accounts and authorised push payment scams have become a major concern for regulators in Asia, as instant payments let stolen funds move in seconds. Banks and wallets are adding device, behavioural and network signals to traditional KYC so they can spot mule networks and account takeover before money leaves.

Bureau Inc is incorporated in Delaware, United States, and operates through its subsidiary in India. Awards listed on the website include Best Payment Fraud Prevention Technology, Best in Class Regtech Solution, Prestigious Brand Asia and Innovative APAC Partner of 2024. Founding year and funding not stated on the website.