Coast is the financial platform for the trades and transportation, serving thousands of fleet-operating businesses across field service, construction, logistics and long-haul trucking. Its products span fleet and fuel cards, corporate cards, expense management and bill pay in a market of roughly 500,000 commercial fleets and 40 million commercial vehicles. Since 2023, Coast’s risk team has used Oscilar to underwrite and monitor those businesses after onboarding.

When a fleet asks for a higher credit line or activity on an account starts to look unusual, Coast may ask for recent bank statements before deciding what to do next. That one document can answer two very different questions. On the credit side, it shows whether the business has the cash flow to support more credit. On the fraud side, it can reveal whether the statement itself has been manipulated.

That second question is getting harder. First-party fraudsters can now manufacture many of the signals that once made a business look legitimate. “Anyone can just make a website. Anyone can make fake bank statements that look completely authentic,” said Delia Nuñez, Coast’s Senior Director of Risk + Analytics. She has even seen fraudsters use generative AI to prepare for verification calls. “Three years ago it was easier to just catch a fraudster on the phone. Now it’s a little harder because they know exactly what to say.” 

That makes document intelligence more valuable, but Coast still asks for bank statements sparingly. Customers do not like the added friction, so when Coast requests one, the team has already decided it needs the additional evidence.

Inscribe is an agentic document fraud detection platform that analyzes bank statements for signs of tampering and extracts the financial attributes Coast uses in credit decisions, such as cash flow, negative balance days and NSFs. Coast has relied on Inscribe for nearly four years to extract the credit and fraud signals inside those statements. Inscribe could tell Coast what was happening inside the document and Oscilar could decide what to do about it.

But a person still had to manually connect the two.

The signal was in one system, the decision was in another

Oscilar carried Coast’s decisions across credit, fraud and compliance, and its case management handled much of the team’s daily work. Inscribe analyzed the bank statements. But the two systems did not share a workflow, so the document intelligence Coast trusted sat outside the place where Coast actually made the decision.

"Anything that required bank statements lived separately from Oscilar," Nuñez said. “It was fine initially, because of the volume. But eventually you always hit that point where it becomes tedious to not have it live in the same workflow.”

Each request created the same chain of manual work. Coast’s support team sent the Inscribe link. The fleet uploaded the statement. An analyst opened Inscribe, reviewed the findings, then returned to Oscilar to update the case and take the next action.

Across the many points where Coast uses revenue verification, that manual work added up to hours each week. 

Behind the scenes, Coast also had to keep records aligned between systems. The issue was bigger than extra clicks. Inscribe had already produced the signal Coast trusted, but that signal could not change the outcome of the case until a person carried it into Oscilar.

Bringing the document inside the decision

In 2026, Nuñez asked Oscilar to bring the document step into the workflow Coast was already using to make decisions. Oscilar built the integration into Coast’s existing case flow, so document requests could go out through Inscribe and the results could come back to the same case. Coast wrote no code.

Now, when Coast needs a bank statement, the workflow starts in Oscilar. An analyst marks the required documents on the case. Oscilar calls Inscribe and sends the fleet an upload link. Once the statement arrives, Inscribe analyzes it. The document and its findings then flow back into the same Oscilar case as evidence and structured attributes.

Inscribe’s findings are no longer something an analyst has to retrieve and translate into the case. They become inputs to the decision itself. Coast’s rules can read those attributes alongside the other signals it already has on the fleet and decide what should happen next.

A clean return with no other flags can close automatically. A statement with tampering signals reaches an analyst with the document, Inscribe’s findings and the case history already together.

Coast did not have to build a new decision path around Inscribe. Oscilar already ingests data from Coast’s own systems and external partners, lets the risk team define attributes on top of that data, and runs those attributes through configurable workflows. Inscribe became another source of document intelligence inside the same engine already running Coast’s credit, fraud and compliance logic.

When the signal is enough, the case closes itself

The integration did not just make the old process faster. In qualifying cases, it eliminated the review step entirely.

“Now it’s instant,” Nuñez said. Once a bank statement comes back, Coast does not necessarily need someone to review it. Because the team already trusts the attributes Inscribe produces, a qualifying result can trigger the next action automatically. “No need for someone to go in and close out the case.” Overall, Coast has cut document review time by more than 50%, and that number keeps improving as Inscribe adds new attributes.

The contrast came into focus for Nuñez while interviewing a candidate for a risk operations role. The candidate described a previous job spent largely reviewing bank statements by hand.

“I said, ‘Wow, that’s insane,’” Nuñez recalled. Some of the manipulation Inscribe catches, she added, would not have been visible "to the naked eye" anyway.

That is the more important shift. Coast is not just making document review faster. When the signal is strong enough, the review disappears, leaving analysts to focus on the cases that actually require judgment.

The fleet may still need to provide a statement when Coast needs more evidence. What the integration removes is the manual work around that request. The document goes out, Inscribe’s findings return to the case, and when the evidence is sufficient, Oscilar moves the workflow straight to the next decision.

Signal from Inscribe, decision in Oscilar

The integration works because each platform keeps doing the job Coast chose it for.

Inscribe specializes in understanding the document. Tampering detection is the capability Nuñez is clearest that Coast would not have built itself. “We would never have done the bank tampering or anything like looking at fraud signals on our own,” she said. 

Oscilar makes that intelligence actionable. It combines Inscribe’s findings with what Coast already knows about the fleet, applies Coast’s rules, and moves the case through suppression, routing or automatic closure.

Before the integration, people did that connecting work by hand. Now the workflow does it.

“Instead of having to build custom APIs or sort of standing this up separately and then somehow feeding the data from Inscribe onto Oscilar, now it’s just a very seamless part of the workflow building,” Nuñez said. “I don’t need an engineer. I don’t need a very technical person.”

That flexibility is one of the reasons Coast has continued expanding what it runs on Oscilar. Early in the relationship, Nuñez remembers thinking, “I feel like you can use this for everything.” Her reasoning was straightforward: Oscilar could ingest Coast’s own data or a partner’s data, turn it into attributes, and let the team decide what should happen next without standing up another system each time.

For Coast’s risk team, that changes what an integration means. A new source of intelligence does not have to become another tool analysts check or another process engineering has to maintain. It can become another signal inside a workflow the team already runs.

Neha Narkhede, Oscilar’s co-founder and CEO, sees that as the purpose of the decision layer. “The best signal in the world does nothing if it lands in a tool your analyst has to go find. Coast’s document fraud signals from Inscribe now arrive on the case, next to the other data driving the decision, and the workflow can act. That is what a unified decision layer is for: bringing a specialist signal like Inscribe’s directly into the workflows Coast already runs.”

“Roughly 1 in 16 documents reaching financial institutions is fraudulent, and forged and deepfake documents are getting harder to catch by eye. Teams need to move from detection to decision quickly. Plugging Inscribe into Oscilar’s workflow engine puts our findings straight into Coast’s decisions,” said Ronan Burke, CEO and Co-founder of Inscribe.

Inscribe still analyzes the document. Oscilar still makes the decision. The difference is that no one at Coast has to stand between them.

Read the full Coast customer story

Three Years, One Decision Layer. See how Oscilar’s agentic risk platform brings partner data into every decision.

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