High risk consumer

TRU-7452-GSJ0

Consumer’s device is linked to an unusually high number of accounts across different merchants, potentially indicating fraud or identity theft.

Consumer has a high return rate (> 50%) across multiple payment methods and merchants, primarily involving expensive products.

Payee account recently flagged for APP fraud from other issuers and third-party databases.

3 or more failed settlement attempts across different billing cycles (e.g., subscriptions, BNPL repayments) in the last 60 days

Trusted consumer

TRU-8263-HYU2

Consumer has verified their identity via bank with consistent identity across the network, and has no indicators of synthetic, syndicate activities.

No direct or indirect exposure to fraudulent promotion abuse across the network.

Consumer has a success rate of over 80% for settlement attempts completed on time in the past 90 days.

Embed network intelligence to identify friendly fraudsters

Embed network intelligence to identify friendly fraudsters

Leverage privacy-preserving data sharing to collaborate, understand consumers, and reduce friendly fraud by 90% while increasing payments acceptance for trusted consumers.

Leverage privacy-preserving data sharing to collaborate, understand consumers, and reduce friendly fraud by 90% while increasing payments acceptance for trusted consumers.

Our partners and investors share our vision

to enable collaboration through data sharing for fraud prevention.

Our partners and investors share our vision to enable collaboration through data sharing for

fraud prevention.

Friendly fraud is rising and you now face liability for failure to prevent it.

Friendly fraud is rising and you now face liability for failure to prevent it.

First-party fraud results in +$100bn in losses per year. Fraudsters operate by sharing information and strategies to execute fraud, meanwhile financial institutions and merchants operate in silos, reluctant or unable to share data with each other. It’s time to close the consumer visibility gap that is preventing us from stopping fraud.

Generational behaviour is shifting

42% of Gen Z consumers admit to intentionally engaging in friendly fraud, alongside 22% Millennials.

Fraud regulation is increasing

Merchants, PSPs and acquirers that fail to implement and maintain adequate fraud prevention procedures now face liability under new FCA guidelines.

Consumer visibility is limited

Fraud prevention is based on limited transactional snapshots of consumers, and not 360° view of consumer activity across the commerce ecosystem.

360° consumer intelligence helps you prevent friendly and APP fraud

Our Trust Network helps merchants, issuers, acquirers, and processors collaborate through data sharing to prevent first-party and APP fraud. The network provides a 360 view of a consumer’s fraud risk for friendly fraud beyond the point of transactions, without exposing PII or transactional data.

Ensured data protection

Protect your competitive advantage

Maintain full data ownership

Join Network

360° consumer intelligence helps you prevent friendly and APP fraud

Our Trust Network helps merchants, issuers, acquirers, and processors collaborate through data sharing to prevent first-party and APP fraud. The network provides a 360 view of a consumer’s fraud risk for friendly fraud beyond the point of transactions, without exposing PII or transactional data.

Ensured data protection

Protect your competitive advantage

Maintain full data ownership

Join Network

This is why we built the

Trust Network

This is why we built
the Trust Network

Access 360 consumer fraud intelligence

beyond your network.

Access 360 consumer fraud intelligence beyond your network.

Identify known friendly fraudsters immediately and proactively uncover new scammers through continuous consumer behaviour analysis. Leveraging the network effect ensures fraudsters can’t repeat offences across the ecosystem, keeping every business safe.

Deploy tailored risk assessments at every step of the consumer journey with one integration.

Our machine learning models are individually trained to spot different forms of friendly fraud as they appear at different touchpoints. Detect synthetic identities at signup, pre-auth risk patterns, and fraudulent refund behavior — all with unmatched accuracy.

Embed consumer intelligence via APIs into payments and fraud rules for smarter, and faster decisions.

Make faster, and more effective payments and fraud decisions at consumer onboarding, pre-authorisation and during claims and dispute resolution, using network intelligence.

Deploy tailored risk assessments at every step of the consumer journey with one integration.

Our machine learning models are individually trained to spot different forms of friendly fraud as they appear at different touchpoints. Detect synthetic identities at signup, pre-auth risk patterns, and fraudulent refund behavior - all with unmatched accuracy.

Embed consumer intelligence via APIs into payments and fraud rules for smarter, and faster decisions.

Make faster, and more effective payments and fraud decisions at consumer onboarding, pre-authorisation and during claims and dispute resolution, using network intelligence.

Reduce fraud losses, accept more payments, and make better and faster decisions.

Reduce fraud losses, accept more payments, and make better and faster decisions.

Our product with a single integration can bring benefits across your entire business. From day one, our AI will provide immediate value with intelligence regarding your existing consumers.

Our product with a single integration can bring benefits across your entire business. From day one, our AI will provide immediate value with intelligence regarding your existing consumers.

Reduce your friendly and APP fraud losses

Differentiate and identify friendly fraudsters from trusted consumers at onboarding, pre-auth and during the claims/dispute process.

Accept more payments from trusted consumers

Optimise payments and fraud risk rules by integrating personalised consumer fraud risk intelligence to boost acceptance rates and revenue.

Automate your dispute resolution process with AI

Support more automated (and agentic) decisioning to improve efficiency by up to 70%, and reduce false positives.

How does it work?

How does it work?

Our Trust Network provides easy to integrate APIs which can effortlessly slot into your payments and fraud stack. We will support you with expert onboarding so you can go live fast and unlock value from day one.

1

Prepare

A dedicated delivery lead will guide you in structuring, normalising, and preparing your datasets, while working with you to define success metrics that effectively measure impact.

Learn more

2

Setup

Our technical team will integrate your node into the network, onboard your data and configure your project environment.

Learn more

3

Test & Analyse

We’ll run technical tests to validate data flow and system integrity. Next, we will run our network algorithms on the data, uncover early insights and calculate key initial metrics like accuracy and performance.

Learn more

4

Evaluate

We will evaluate accuracy and performance metrics to validate the solution’s effectiveness and share actionable insights with you. We will also run hands-on training to onboard your teams.

5

Run & Optimise

All projects go live with full support from your Key Account Manager, who will collaborate with you to monitor model performance, fine-tune algorithms, and continually enhance results.

Learn more

Latest case study

We helped an online retailer reduce first-party fraud losses by 90% and deploy instant refunds for trusted customers.

We helped an online retailer reduce first-party fraud losses by 90% and deploy instant refunds for trusted customers.

85%

Precision rate in

identifying fraudsters

99%

Reduction in refund processing time

23x

Projected ROI

Our innovation is recognised by industry leaders.

Winner

Pay360 Fintech Pitch Live 2025

Fintech Pitch Live 2025

Shortlisted

MPE 2025 Awards

Best Startup Innovation Award

Winner

MPE 2025 Public Choice Awards

Best Startup Innovation Award

Winner

Worldline Epayments

Challenge 2023

Best solution - Ensuring Trust

and Security

Our innovation is recognised by industry leaders.

Winner

Pay360 Fintech Pitch Live 2025

Fintech Pitch Live 2025

Shortlisted

MPE 2025 Awards

Best Startup Innovation Award

Winner

MPE 2025 Public Choice Awards

Best Startup Innovation Award

Winner

Worldline Epayments

Challenge 2023

Best solution - Ensuring Trust and Security

Join the Trust Network.

Join the Trust Network.

Talk with our team of fraud and identity experts and learn how Trudenty

can help you protect your business.

Launch in days, not weeks.

Learn from the network while protecting your competitive advantage.

Use consumer intelligence to reduce fraud losses

and boost your revenue.

Use consumer intelligence to reduce fraud losses and boost your revenue.

We'll use any information you provide in accordance with our Privacy policy and Terms of service.

Trudenty

The Trust Network enables merchants, acquirers and issuers to collaborate and share consumer fraud risk intelligence in a regulatory compliant manner.

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Address

Level 18

40 Bank Street

Canary Wharf, UK

E14 5NR

Trudenty

The Trust Network enables merchants, acquirers and issuers to collaborate and share consumer fraud risk intelligence in a regulatory compliant manner.

Subscribe to our newsletter

Address

Level 18

40 Bank Street

Canary Wharf, UK

E14 5NR

Follow us

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