Real-Time Risk Ops for the Speed of Fintech

Fraud doesn’t wait - and neither can you.

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Today’s fintechs are redefining how money moves. With rapid growth, constant product iteration, and embedded finance pushing the edges of what's possible, the risk landscape has never been more complex.

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But while fintech has evolved, most risk tools haven’t. They're slow to adapt, opaque to explain, and fragmented by design.

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That ends now.

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Solution: Unit21 for Fintechs

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Every new product launch, market expansion, or growth campaign a fintech invests in introduces new threat vectors. Fraudsters are faster, more organized, and increasingly leveraging tools like bots, emulators, and the dark web to bypass traditional defenses.

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Meanwhile, regulators and banking partners expect more. More transparency. More auditability. More control.

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Yet most fintech teams are still stuck choosing between four flawed paths.

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Unit21 for Fintechs was built to solve this exact problem.

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We combine real-time detection, explainable AI, unified fraud and AML operations, and flexible data ingestion into a single platform - purpose-built for the way fintech teams actually work.

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Unit21 is a unified fraud and AML platform built specifically for the operational realities of fast-moving fintechs - neobanks, embedded finance platforms, lending apps, payment providers, and sponsor banks.

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It brings together detection, investigation, and regulatory workflows into a single system that’s:

• No-code – Launch new rules and workflows instantly, without developer bottlenecks
  
• Real-time – Stop fraud before money moves using millisecond decision-making and device-level signals
  
• Explainable – Deliver audit-ready outcomes with transparent models and traceable logic
  
• Flexible – Ingest and normalize data across every payment rail, customer segment, and product type
  
  

From first alert to final filing, everything happens in one place - so your team moves faster and smarter with every case.

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Flexible Risk Modeling & Detection

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Unit21’s no-code rule engine lets fraud and compliance teams create, test, and deploy new detection scenarios in minutes. With explainable machine learning, dynamic customer risk ratings, and network-based logic, you can prioritize what matters, without waiting on engineering.

 Real-Time Fraud Intelligence

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Our real-time rules engine, paired with device fingerprinting, enables proactive fraud detection, flagging risky behavior like emulator use, geo-spoofing, or credential stuffing before transactions clear.

Infrastructure & Ingestion

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Unit21 makes it easy to ingest and normalize data from any format or source, including ACH, check, crypto, and JSON APIs. No rigid schemas. No fragile pipelines. Just flexible, fast ingestion at scale.

Compliance Automation

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From one-click SARs and CTRs to real-time sanctions screening and 314(a) response workflows, Unit21 automates the most tedious parts of compliance, so you stay audit-ready without burning analyst time.

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Proven Results from Real Fintechs

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Unit21 for fintechs isn’t hypothetical. It’s battle-tested, delivering results for some of the most innovative players in financial services.

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Bakkt automated its transaction monitoring with Unit21, achieving a 15% false-positive rate and reducing SAR filing time by 66%. These improvements helped the team scale fraud and compliance operations efficiently as it expanded in the fintech space.

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Lili used Unit21’s no-code platform to cut fraud losses by 50% and investigation time by 75%, uncovering over $400,000 in suspected fraud. The platform empowered their team to manage risk logic independently while improving customer trust.

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DriveWealth scaled its fraud prevention efforts with Unit21, reducing false positives by 30%, filing SARs 66% faster, and increasing fraudulent account closures by 10x - all without slowing product innovation.

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From early-stage startups to fintech unicorns, Unit21 is helping teams scale trust, not just transactions.

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Outpace Risk. Accelerate Growth.

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Fintechs shouldn’t have to choose between speed and safety.

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Unit21 delivers real-time detection, explainability, and automation in one flexible platform—so you can protect your business, satisfy regulators, and move faster than fraud.

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Whether you're scaling your first risk team or modernizing an existing one, Unit21 is the partner built for your pace.