Risk intelligence,
decoded.

Risk intelligence,
decoded.

Risk intelligence,
decoded.

Risk intelligence,
decoded.

Risk intelligence,
decoded.

Make intelligent risk decisions faster. Oscilar is your team’s unified solution for fraud defense, credit underwriting, onboarding risk, and AML compliance.

use cases

End-to-end risk management.

Monitor the entire customer journey in one place—from login to payments to compliance, and everything in between.

use cases

End-to-end risk management.

Monitor the entire customer journey in one place—from login to payments to compliance, and everything in between.

use cases

End-to-end risk management.

Monitor the entire customer journey in one place—from login to payments to compliance, and everything in between.

use cases

End-to-end risk management.

Monitor the entire customer journey in one place—from login to payments to compliance, and everything in between.

01

Make faster, smarter and safer onboarding decisions.

Bring on more of the right customers with confidence. Increase your approval rates while simultaneously reducing false positives, user experience friction, and fraud.

Explore onboarding for:
02
03
04
01

Make faster, smarter and safer onboarding decisions.

Bring on more of the right customers with confidence. Increase your approval rates while simultaneously reducing false positives, user experience friction, and fraud.

02
03
04

Make faster, smarter and safer onboarding decisions.

Bring on more of the right customers with confidence. Increase your approval rates while simultaneously reducing false positives, user experience friction, and fraud.

Explore onboarding for:

Make faster, smarter and safer onboarding decisions.

Bring on more of the right customers with confidence. Increase your approval rates while simultaneously reducing false positives, user experience friction, and fraud.

Explore onboarding for:
Oscilar ai

Powerful Agentic AI.

Empower your team to work smarter. Oscilar’s agentic AI provides smart recommendations, summaries, and workflow support—while your experts remain in full control to ensure regulatory compliance and fair outcomes.

Communicate with Oscilar AI using natural language

Create, edit, and test workflows with confidence

Get recommendations to optimize your rules and workflows

Verify AI recommendations before moving to production

Communicate with Oscilar AI using natural language

Create, edit, and test workflows with confidence

Get recommendations to optimize your rules and workflows

Verify AI recommendations before moving to production

Communicate with Oscilar AI using natural language

Create, edit, and test workflows with confidence

Get recommendations to optimize your rules and workflows

Verify AI recommendations before moving to production

Communicate with Oscilar AI using natural language

Create, edit, and test workflows with confidence

Get recommendations to optimize your rules and workflows

Verify AI recommendations before moving to production

Meet Your Agents

Payment Fraud Agent

Dynamically updates transaction risk scores in real time, with major threshold modifications subject to governance and compliance approvals for full operational control.

Account Takeover Agent
First Party Fraud Agent
Identity Verification Agent
Account Opening Fraud Agent
Network Intelligence Agent
Dispute Management Agent
Behavioral Analysis Agent
Credit Underwriting Collections Agent
Scam Detection Agent
Payment Fraud Agent

Dynamically updates transaction risk scores in real time, with major threshold modifications subject to governance and compliance approvals for full operational control.

Account Takeover Agent
First Party Fraud Agent
Identity Verification Agent
Account Opening Fraud Agent
Network Intelligence Agent
Dispute Management Agent
Behavioral Analysis Agent
Credit Underwriting Collections Agent
Scam Detection Agent
Payment Fraud Agent

Dynamically updates transaction risk scores in real time, with major threshold modifications subject to governance and compliance approvals for full operational control.

Account Takeover Agent
First Party Fraud Agent
Identity Verification Agent
Account Opening Fraud Agent
Network Intelligence Agent
Dispute Management Agent
Behavioral Analysis Agent
Credit Underwriting Collections Agent
Scam Detection Agent
Payment Fraud Agent

Dynamically updates transaction risk scores in real time, with major threshold modifications subject to governance and compliance approvals for full operational control.

Account Takeover Agent
First Party Fraud Agent
Identity Verification Agent
Account Opening Fraud Agent
Network Intelligence Agent
Dispute Management Agent
Behavioral Analysis Agent
Credit Underwriting Collections Agent
Scam Detection Agent
THE OSCILAR PLATFORM

Risk ops, unified.

Monitor the entire customer journey in one place—from login to payments to compliance, and everything in between.

THE OSCILAR PLATFORM

30B+

DECISIONS PROCESSED PER YEAR

1000

REQUESTS PER SECOND

<100ms

LATENCY

Truly AI-Native Risk Decisioning

Manage risk in the era of AI with the only platform built from the ground up to stay ahead of emerging threats.

Agentic AI that supports your team

Our AI agents work quietly behind the scenes, continuously unifying risk data, refining assessments in real time, and providing actionable insights—all under human-guided governance to ensure fair, compliant decisions and seamless journeys for legitimate customers.

Comprehensive analytics

Comprehensive analytics

Comprehensive analytics

Comprehensive analytics

Proactive detection capabilities

Proactive detection capabilities

Proactive detection capabilities

Proactive detection capabilities

Explainable decisions & full auditability

Explainable decisions & full auditability

Explainable decisions & full auditability

Explainable decisions & full auditability

Smarter AI models that improve detection

Deploy purpose-built models designed for specific risk scenarios out of the box, and combine them with adaptive models to detect and prioritize threats across a wide range of dimensions.

Plug-and-play ML models

Plug-and-play ML models

Plug-and-play ML models

Plug-and-play ML models

Continuous model monitoring

Continuous model monitoring

Continuous model monitoring

Continuous model monitoring

Integrate your own custom models

Integrate your own custom models

Integrate your own custom models

Integrate your own custom models

An AI co-pilot that keeps you in control

Let Oscilar AI help build your workflows and keep your risk experts in the loop. Easily create or modify workflows, and automatically backtest with historical data to verify efficacy before deployment.

Reduce manual work

Reduce manual work

Reduce manual work

Reduce manual work

Ask questions in natural language

Ask questions in natural language

Ask questions in natural language

Ask questions in natural language

Speed up compliance and reviews

Speed up compliance and reviews

Speed up compliance and reviews

Speed up compliance and reviews

Customers

Risk teams love Oscilar.

Customers

Risk teams love Oscilar.

Customers

Risk teams love Oscilar.

Customers

Risk teams love Oscilar.

Device and behavioral intelligence

Cognitive Identity Intelligence is here.

Protect your customers from fraud at every step of their journey with next-generation device and behavioral intelligence that catches what others miss.

IDENTITY PRECISION

99.99% Accuracy

99.99% Accuracy

99.99% Accuracy

99.99% Accuracy

TAMPER PROTECTION

100%
Coverage

100%
Coverage

100%
Coverage

100%
Coverage

COGNITIVE DETECTION

1000+ Markers

  • Cognitive Signatures

    User Intent Recognition

    Decision Patterns

    Cognitive Flows

    Impulse vs. Deliberation

    Stress Indicators

    Cognitive Flows

  • Network Signals

    IP Intelligence

    Bot Activity

    Location

    Proxy

    Tor Networks

    VPN Usage

  • Behavior Profiling

    Device Activity

    Purchase Behavior

    User Journey profiling

    Payment Activity

    Account Updates

    User Signals

  • Behavior Biometrics

    App Familiarity

    Keyboard Patterns

    Mouse Movements

    Touch Input Patterns

    Screen Utilization

    Auth Method

  • Digital Identity

    Device identity

    Time Zone

    Device Attributes

    Environment Spoofing

    User Agent

    Emulated Device

Protect every touchpoint along your customer journey
Protect the entire customer journey

Onboarding

Detect unusual sign-up behavior like copying information or using emulators and scripts.

Underwriting

Make smarter credit decisioning workflows using flexible strategies with rapid deployment.

Login

Spot suspicious logins from unknown locations, devices, or using agitated typing and emulated devices.

Payment Activity

Catch high-velocity transactions, card testing, chargeback fraud, and unusual location/device activity.

Account Activity

Detect abnormal user behavior, account linking, and guided patterns.

oscilar for your industry

One platform, any application.

Address your risk needs no matter where you sit within the financial industry. Oscilar adapts to your unique business risk needs at each step of your journey.

oscilar for your industry

One platform, any application.

Address your risk needs no matter where you sit within the financial industry. Oscilar adapts to your unique business risk needs at each step of your journey.

oscilar for your industry

One platform, any application.

Address your risk needs no matter where you sit within the financial industry. Oscilar adapts to your unique business risk needs at each step of your journey.

oscilar for your industry

One platform, any application.

Address your risk needs no matter where you sit within the financial industry. Oscilar adapts to your unique business risk needs at each step of your journey.

oscilar for your industry

One platform, any application.

Address your risk needs no matter where you sit within the financial industry. Oscilar adapts to your unique business risk needs at each step of your journey.

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