Trust intelligence for the modern payments ecosystem

Trust intelligence for the modern payments ecosystem

The Trudenty Trust Network is a privacy-preserving trust intelligence platform that helps banks, PSPs, acquirers, and merchants distinguish trusted consumers from first-party fraudsters in real time. Built on federated machine learning and behavioural science, the Trust Network lets trust travel as freely as money.

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We’re proud to be supported by a growing number of leading organisations.

THE FUTURE OF TRUST IN PAYMENTS

Stop first-party fraud before it happens.

Stop first-party fraud before it happens.

Traditional fraud systems look at isolated transactions. Trudenty looks at behaviour across the network to detect first-party fraud early: chargeback abuse, return/refund fraud, Item-Not-Received (INR) fraud, synthetic identities, settlement defaults, A2A and VRP failures, and more.

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Network-wide visibility

See behaviour no single institution can detect alone.

Privacy-first intelligence

Data stays within your environment at all times.

Dynamic, explainable trust signals

Understand risk with clear reason codes and fraud probability overlays.

Real-time decisioning

Prevent fraud, reduce disputes, and unlock trusted commerce.

Consumer Trust Index

Consumer Trust Index

A dynamic trust signal that helps you identify genuine consumers and detect first-party fraud before it happens. The Consumer Trust Index provides real-time intelligence that evolves with every transaction, enabling confident decisions across authorisation, refunds, VRPs, disputes and onboarding.

See it in action

80

High Trust Consumer

35

Low Trust Consumer

TRU-5729-VXT3

80

High Trust Consumer

Trust score

Trust band

or more

High Trust Consumer

High trust consumers show no reports of first-party fraud against them and have data profiles indicating a low propensity for fraud.

Consumer fraud probability

1%

Identity

Chargeback Trends

Return Trends

Payments and Affordability

Trust dimensions

25

High Trust

High Trust

Medium Trust

Low Trust

CHB01

Consumer exhibits no or low history of chargeback abuse across multiple payment methods and merchants, and chargeback claims are generally honoured.

Signals

Chargeback frequency

Reason code

CH1B1FRE1

Consumer initiates chargebacks infrequently, with disputes filed within expected delivery or resolution windows, neither immediately after purchase nor clustered near issuer or scheme filing deadlines, indicating credible and policy aligned behaviour.

Return-to-chargeback conversion rate

Reason code

RET1RTC1

A significant portion of consumer chargebacks are related to prior return and refund attempts, against a low base of overall refund rates and chargeback rates – indicating normal behaviour and low exposure to chargeback risk.

80

High Trust Consumer

35

Low Trust Consumer

80

High Trust Consumer

Trust score

Trust band

or more

High Trust Consumer

High trust consumers show no reports of first-party fraud against them and have data profiles indicating a low propensity for fraud.

Consumer fraud probability

1%

Identity

Chargeback Trends

Return Trends

Payments and Affordability

Trust dimensions

25

High Trust

High Trust

Medium Trust

Low Trust

CHB01

Consumer exhibits no or low history of chargeback abuse across multiple payment methods and merchants, and chargeback claims are generally honoured.

Signals

Chargeback frequency

Reason code

CH1B1FRE1

Consumer initiates chargebacks infrequently, with disputes filed within expected delivery or resolution windows, neither immediately after purchase nor clustered near issuer or scheme filing deadlines, indicating credible and policy aligned behaviour.

Return-to-chargeback conversion rate

Reason code

RET1RTC1

A significant portion of consumer chargebacks are related to prior return and refund attempts, against a low base of overall refund rates and chargeback rates – indicating normal behaviour and low exposure to chargeback risk.

USE CASES

Real-time trust intelligence across the payments lifecycle

Pre-authorisation risk scoring

Identify high-risk first-party fraud before transactions complete.

Account opening trust assessment

Refund decisioning including instant refunds

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Pre-authorisation risk scoring

Identify high-risk first-party fraud before transactions complete.

Account opening trust assessment

Detect synthetic identities, multi-accounting and early misuse indicators at onboarding.

Account opening trust assessment

Detect synthetic identities, multi-accounting and early misuse indicators at onboarding.

Refund decisioning including instant refunds

Approve trusted customers instantly while blocking refund abuse.

USE CASES

Real-time trust intelligence across the payments lifecycle

Pre-authorisation risk scoring

Identify high-risk first-party fraud before authorisation.

Account opening and consumer onboarding

Refund decisioning including instant refunds

Get in touch

Collaboration layer

Collaboration, built for enterprise.

Collaboration, built for enterprise.

The Trust Network allows trust signals—not data—to flow across the ecosystem.
Built on a modular protocol with Hyperledger Fabric as the default backbone, but interoperable with any existing information-sharing network you already operate.

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Trust intelligence for the most complex fraud problem: first-party abuse.

Trust intelligence for the most complex fraud problem: first-party abuse.

Get in touch

WHY ENTERPRISES CHOOSE TRUDENTY

01

High precision, low friction

High precision, low friction

Detect first-party abuse accurately while keeping genuine consumers moving through authorisation, refunds and disputes with minimal friction.


02

Federated, privacy-preserving ML

Federated, privacy-preserving ML

Learn from behavioural and transactional signals across distributed environments without exposing raw data.



03

Explainable outputs

Explainable outputs

Provide transparent trust scores backed by reason codes and fraud probability overlays.


Provide transparent trust scores backed by reason codes and fraud probability overlays.



WHO WE SERVE

PSPs

Detect first-party abuse across your merchant base. Reduce disputes. Improve profitability.

Acquirers and Processors

Gain a 360° view of consumer and merchant behaviour. Improve underwriting and authorisation performance.

Merchants

Identify genuine customers. Stop refund fraud and chargeback abuse. Protect margins.

FAQs

FAQs

Will we have to share our raw data with Trudenty?

Will we have to share our raw data with Trudenty?

Will our data or related consumer intelligence be shared with other networks?

Will our data or related consumer intelligence be shared with other networks?

What security and compliance standards does Trudenty meet?

What security and compliance standards does Trudenty meet?

Where is data processed?

Where is data processed?

Which regions are covered?

Which regions are covered?

What data is saved on the network and for how long?

What data is saved on the network and for how long?

How does Trudenty integrate with our systems?

How does Trudenty integrate with our systems?

Can Trudenty run in our private cloud or on-premise?

Can Trudenty run in our private cloud or on-premise?

See Trudenty in action.

See Trudenty in action.

Speak with our Team

Trudenty

The Trust Network is the intelligence layer for a connected, collaborative payments ecosystem

— where trust travels as freely as money.

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Address

Level 18

40 Bank Street

Canary Wharf, UK

E14 5NR

Trudenty

The Trust Network is the intelligence layer for a connected, collaborative payments ecosystem — where trust travels as freely as money.

Address

Level 18

40 Bank Street

Canary Wharf, UK

E14 5NR

Follow us

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