Legacy fraud detection systems often struggle to keep pace with modern, interconnected threats. Fraudio is addressing this vulnerability by moving away from data silos and leveraging a centralised, network-driven intelligence platform to protect billions of transactions.
The Netherlands-based fintech provides a unified transaction risk platform that serves the entire payment ecosystem, including acquirers, issuers, processors, and merchants. By combining AI-driven intelligence with flexible controls, the company aims to provide real-time contextual analysis across global transactions.
This week, we speak to João Moura, CEO and Co-Founder of Fraudio, to discuss how the company uses collective intelligence to outperform industry heavyweights and what the future holds for transaction risk coverage.
Tell us more about your company and its offering
Fraudio is a unified transaction risk platform that provides a single point of entry for the entire payment stack to manage fraud, merchant monitoring, and AML compliance. What makes us unique is our centralised, network-driven dataset spanning issuers, acquirers, and the payment vehicles they process.
Unlike traditional solutions that look at data in silos, Fraudio delivers real-time contextual analysis across transactions, merchants, cards, and related entities globally. We offer an API-first, fully SaaS infrastructure that fits into existing payment stacks, combining AI-driven intelligence with flexible rules-based controls.
What problem was your company set up to solve?
Fraudio was born out of frustration. Most fraud detection options are either rigid, rules-based systems or high-complexity AI models that take six months to implement. The problem is that fraud is not an isolated event; it is a global, interconnected threat, yet most companies only see their own data.
We addressed this issue by creating a system that identifies hidden patterns and emerging threats that would be impossible to detect within a single portfolio. We wanted to build a solution that was easy to integrate, provided value from day one, and allowed the entire ecosystem to benefit from collective intelligence.
Since launch, how has your company evolved?
We have scaled our operations to protect a global network that now processes over $2 trillion in transaction volume annually. A critical part of our evolution involved moving from handling inconsistent data structures to a centralised format.
Early on, we worked with three different payment processors in Canada, Europe, and Iceland, each with entirely different data setups. By choosing to build one centralised format rather than separate models, we turned a technical challenge into our greatest strength. This evolution powers our network-driven dataset, where an insight gained in one part of the world immediately protects our entire global client base.
What has been the biggest challenge or most ‘tricky moment’ to overcome?
Building for scale from day one is a massive technical challenge. The most “tricky” decision was whether to build separate models for clients with inconsistent data or attempt to create a single, centralised format.
Choosing the latter was a huge undertaking at the time, but it became the foundation of our platform. It required us to solve the problem of data inconsistency across different regions and processors to ensure our AI could learn from the entire network simultaneously.
What are your biggest achievements or ‘proudest moment’ so far?
Protecting over $2 trillion in annual transaction volume is a serious undertaking, but my personal proudest moment was seeing our “Proof of Results” in action.
In a blind test against one of the world’s top vendors, our AI-driven intelligence controlled fraud while causing 40% fewer false positives. Proving that our platform could outperform industry heavyweights while being faster and easier to deploy provided clear validation of our product and our mission.
How would you describe the culture of your company?
Our culture centres on technical excellence and reliability. Since we sit directly in the payment flow, we prioritise data-driven decision-making and scale. Everything we build focuses on ensuring our customers can rely on the platform to handle massive transaction volumes without compromising on stability.
What’s in store for the future?
We are focused on expanding our integrations with all major processors and payment rails. The aim is for any merchant or acquirer to access our network intelligence through the connections they already have, allowing them to make real-time risk decisions based on global data.
We are also broadening our platform’s scope to provide more comprehensive transaction risk coverage. This means moving beyond fraud detection to include a focus on authorisation outcomes—using our data to actively boost approval rates and optimise transaction flow across the entire payment stack.
