Oscilar’s Year in Review: A Hot Path

2025 was a breakout year for Oscilar. We moved from ambitious vision to proven performance inside some of the most demanding financial environments in the world. Our AI agents built for real-time finance went live in production, our footprint grew across some the fastest-growing markets in the world, and our technology and people were honored by top voices in the industry.

At the platform level, Oscilar executed tens of billions of real-time risk decisions over the year, integrated 30 new data partners, and supported live decisioning across a growing set of financial use cases. Leading banks, credit unions, fintechs, and crypto platforms relied on Oscilar’s AI Risk Decisioning™ platform to modernize fraud prevention, credit underwriting, and AML compliance — operating faster and more precisely at scale, without sacrificing control or explainability.

We also brought the global risk community together with 32 events across three continents: creating space for operators, builders, and visionaries to share what's working at scale.

What we shipped in 2025 is now running in the background of modern finance. In 2026, our focus shifts from proving it works to pushing how far it can go.

TL;DR

• Launched our AI agent platform with four new agents deployed: Document Analysis, Test Case Generator, Translation, and AML L1 Triage

• Processed tens of billions of real-time risk decisions while integrating 30+ new data sources and enhancing no-code workflow capabilities

• Major customer wins: SoFi (50% faster time-to-market), MoneyGram (global AML modernization), Nuvei (15% auto-adjudication increase), Payoneer (unlocking real-time fraud intelligence), and Clara (3x faster onboarding in hypergrowth)

• Expanded partner ecosystem with 29 new partnerships including Mastercard Engage and Nacha’s Preferred Partner network

• Won 12 prestigious industry awards across Banking, AML, and AI including awards from Money20/20’s Money Awards, Finovate, FinTech Futures, Datos Research and more

• Hosted 32 events across 3 continents including 7 RiskCon gatherings, 16 executive dinners, and side quests at major industry events like Money20/20 USA and Europe

• Heading into 2026 with new AI agents in development, expanded global presence, and confirmed appearances at 8+ major industry events
  
  

Advancing the Oscilar platform

In 2025, we focused on making Oscilar faster, more autonomous, and easier to use at scale. Platform improvements centered on expanding AI-driven capabilities, reducing operational friction for risk teams, and strengthening the data foundation that powers real-time decisioning.

Launching our AI agent platform

In March, we unveiled Oscilar’s agentic AI platform built around specialized AI agents designed to extend and support risk teams. And with that, four new agents: 

• Document Analysis Agent to automate KYC document review and extraction

• Test Case Generator to create and validate rule logic at scale

• Translation Agent to interpret global fraud signals in real time

• AML L1 Triage Agent to prioritize compliance alerts with context and confidence

These agents are designed to handle the repetitive, high-volume work that slows teams down, while keeping humans firmly in control of judgment, policy, and escalation.

Unlike static models that wait for inputs and produce opaque scores, Oscilar’s AI agents work continuously in the background. They unify risk data across systems, surface emerging signals, and refine assessments in real time all while operating under human-guided governance. Every decision remains explainable, auditable, and configurable by the teams responsible for owning risk.

Together, these agents absorbed the repetitive, time-intensive work that slows risk teams down, freeing experts to focus on judgment, strategy, and complex decisions where human insight matters most.

"Our AI Agents don't just process data; they understand business objectives, independently determine relevant risk factors, and continuously learn from interactions to enhance their effectiveness," said Neha Narkhede, Oscilar Co-Founder and CEO.

And this is just the beginning. More agents are coming in 2026.

30+ new data sources, zero custom engineering required

In 2025, we significantly expanded Oscilar’s data ecosystem, adding more than 30 third-party integrations designed to operate at real-time speeds. Our vendor-agnostic architecture allows teams to plug in device intelligence, identity verification, credit bureaus, and other external signals directly into live decision flows without custom engineering or operational slowdowns.

In production: Clara, a leading fintech serving Latin America, deployed Oscilar with 15 external integrations. Oscilar now powers more than 700,000 real-time decisions, each executed end-to-end in under 800 milliseconds all without interrupting customer journeys.

No-code workflow evolution

We delivered major enhancements to Oscilar's no-code workflow capabilities to help teams move faster, including a policy builder and natural-language rule engine. Risk teams can now build, test, and iterate workflows using drag-and-drop tools and backtesting environments, reducing iteration cycles from weeks to hours.

In September, we introduced our AI Workflow Copilot, allowing teams to build risk rules in plain English. Instead of hunting through variables and writing custom scripts, teams now type what they want: "Flag logins from new devices after password changes" or "Block all account applications where a device ID is common to more than three accounts in the last seven days" and watch the AI generate complete workflows.

Early beta users saw 80% faster workflow building. One team replaced 20+ rules and a custom script in a single afternoon. This flexibility has also enabled Oscilar customers like SoFi to rapidly launch and refine credit strategies without relying on developer resources.

Performance that scales with you

We pushed platform performance even further in 2025, achieving 50% faster P99 latency with sub-200ms response times at scale. Our iOS SDKs became 80% smaller while maintaining the security standards our obfuscation tech has delivered for years.

Refreshing the Oscilar brand

In 2025, we debuted an all new visual identity and website to better reflect the scale and maturity of our platform. The rebrand introduced a modular 3D design system, refreshed logos built around Oscilar Vermillion, and a new typeface designed for clarity and scale.

The project, led by Principal Brand Designer Andrew Pons, was completed end-to-end in under six months and delivered a brand identity aligned with where we’re headed.

Oscilar customers driving real-world impact

Leading financial institutions rely on Oscilar to modernize fraud, credit, and compliance at scale. In 2025, customers across banking, payments, crypto and fintech used Oscilar to move faster, reduce friction, and make better risk decisions in production.

SoFi: Modernizing risk across the entire customer lifecycle

SoFi, a leading digital financial services company serving more than 10 million members, partnered with Oscilar to consolidate credit underwriting, collections, and fraud decisioning on our AI-native platform.

Results:

• 50% faster time-to-market for new risk policies (measured in days instead of weeks)

• 30%+ improvement in processing speeds across decision flows

• Centralized governance across banking, lending, and investing products

"We can easily launch and iterate new policies and adapt with unprecedented speed. Oscilar supports SoFi's ability to make swift and accurate risk decisions and serve our members' needs." — Adam Colclasure, Senior Director of Risk Data & Decisioning, SoFi

MoneyGram: Modernizing fraud and AML across global payments

MoneyGram International, operating in 200+ countries and territories, selected Oscilar to modernize its fraud and AML infrastructure by consolidating previously siloed systems onto one platform. Adaptive, real-time risk intelligence is now embedded directly into every transaction across its global payments network.

"We're focused on collaborating with AI-native companies like Oscilar who are leapfrogging their peers and redefining the industry. Adaptive, intelligent risk management is essential to keep pace with the complexity and speed of global payments." — Luke Tuttle, Chief Product & Technology Officer, MoneyGram

Nuvei: Scaling global payments without operational drag

Nuvei, a global payments provider serving merchants in more than 200 markets, deployed Oscilar to replace a fragmented risk stack with a single AI-powered decisioning layer.

Results:

• 15% increase in auto-adjudication within the first month

• 50% faster manual case review times

• Zero missed SLAs after implementation

"I've never asked Oscilar for something and been told no. Sometimes it takes research or new development, but the answer is always yes. That level of partnership is rare." — Daniel Hough, Director of Risk & Underwriting, Nuvei

Payoneer: Real-time fraud intelligence at global scale

In December, Payoneer (NASDAQ: PAYO), which supports tens of billions in transaction volume across 7,000+ trade corridors, selected Oscilar to modernize fraud and risk intelligence across its core systems.

"We're investing in intelligent fraud detection infrastructure designed for our scale and customer diversity. Oscilar's AI architecture gives us the agility to rapidly iterate models and orchestrate complex risk strategies." — Michael Sheehy, Chief Compliance Officer, Payoneer

Clara: Automating credit underwriting during hypergrowth

Clara, a leading Latin American fintech company providing corporate cards and expense management to more than 20,000 businesses across Mexico, Brazil, and Colombia, transformed its credit underwriting operations with Oscilar, scaling rapidly without expanding headcount.

Results:

• 3x faster client onboarding

• 3-4x increase in underwriting throughput

• 80+ workflow variants built by the risk team using no-code tools

"With Oscilar, we're not just implementing a product. We're writing the playbook for how this should be done." — Gustavo Bottegoni, Global Director of Credit Risk, Clara

Growing our global partner ecosystem

In 2025, Oscilar significantly expanded its partner network, forming 29 new consulting and referral partnerships to accelerate adoption and extend platform capabilities worldwide.

Partnering with Mastercard to accelerate digital issuance

Oscilar joined the Mastercard Engage partner network to support instant digital card issuance. By combining Oscilar's AI Risk Decisioning™ with Mastercard's Digital First and Engage programs, issuers can launch digital cards faster while improving trust and customer experience.

Oscilar named a Nacha preferred partner ahead of 2026 ACH rule changes

Nacha, the governing body of the ACH network, sets the standards and rules for ACH payments in the United States. Oscilar was recognized as a Nacha Preferred Partner for Account Validation, Fraud Monitoring, and Risk & Fraud Prevention ahead of new ACH fraud rules taking effect in 2026. 

This partnership brings real-time AI-native risk decisioning to financial institutions of all sizes, helping them meet Nacha compliance standards with precision.

Latin America is choosing AI-native infrastructure

Oscilar strengthened its presence across Brazil and greater Latin America through partnerships with BigDataCorp, XC Group, and Decidir. These collaborations speak to broader momentum in the region: from legacy, rule-bound systems towards risk infrastructure designed for the speed of today's finance. Oscilar is increasingly being adopted as core decisioning technology in fast-growing financial markets across the region.

Industry recognition and awards

In 2025, Oscilar’s work was recognized across the risk and fintech landscape, with awards spanning AI, risk decisioning, fraud, AML, and compliance. For a four-year-old startup to be recognized alongside long established and publicly traded institutions is a meaningful signal that what we’re building is resonating.

Platform recognition

• Banking Tech Awards — Best AI Solution (Decision Engine)

• Chartis Retail Banking Analytics 50 — Innovation in Decisioning Platforms

• PayTech Awards USA — Best AI Solution

• The Money Awards — AML, Identity & KYC (Banking)

• Finovate Awards — Best Anti-Fraud / AML Solution

• Datos — Best Joint AML & Fraud Transaction Monitoring Innovation

• FinTech Breakthrough Awards — Best Risk Decisioning Platform

• Chartis Financial Crime and Compliance 50 — Modular Platform Award; Regional Excellence (Middle East)

Leadership recognition: Neha Narkhede

• Inc. Magazine — Female Founders 500

• Banking Tech Awards USA — Woman in Technology: Visionary Founder & CEO

• Titan Women in Business Awards — Outstanding CEO

Thank you to the judges and awards teams for recognizing the power of our platform and all the hands and hard work behind it.

Customers ♥︎ Oscilar

We're honored to be recognized by G2 with multiple badges in 2025, including a Leader badge in Decision Management.

"What stands out most to me is the strength of the partnership. The team's responsiveness, commitment, and consistency have truly earned my complete trust." —G2 Review

These reviews come directly from real verified customers who rely on Oscilar to power their risk operations.

We showed up everywhere (and you noticed!)

Oscilar dramatically upped the IRL ante in the ecosystem in 2025, hosting and co-hosting 32 events across 13 cities and three continents. The intent wasn't just visibility, but to create spaces where risk, fraud, and compliance leaders could have substantive, off-the-record conversations about what’s working and what isn’t.

RiskCon is the place to be

Seven flagship RiskCon events brought together risk leaders in major financial hubs, including New York City, Atlanta, Mexico City, São Paulo, the Bay Area, and London. Each event centered on real-world challenges: how teams are adapting to new fraud patterns, regulatory pressure, and AI-driven change.

Beyond RiskCon, we hosted:

• 16 curated executive dinners, designed for smaller, candid discussions among finance senior leaders, held at venues ranging from the British Bankers Club to Nobu and estiatorio Milos
  
  

• 9 networking receptions and roundtables, including a standing-room-only gathering during Money20/20 Europe

Attendees tell us that we host the best events in fintech. 

A very busy (and very fun) year on the road

2025 kept us moving. Besides our own programming, Oscilar showed up at 16 major conferences and industry events around the world: sharing ideas, learning from customers, and spending time with the risk community in person.

Some standouts:

Money20/20 USA (Las Vegas)

• Neha joined two standing-room-only panels — one on stablecoin fraud, the other on deepfakes and digital identity

• Neha recorded a podcast episode with Jason Mikula (Fintech Business Weekly) with a live audience

• Saurabh also recorded a podcast episode: Beyond the Hype: What Makes a True AI Company

• A Money20/20 Banking Award win in Identity, AML & KYC

Money20/20 Europe (Amsterdam)

• Selected for Startup Spotlight, presented by our CPO Saurabh Bajaj

• Co-hosted the Lending & Risk Reception with This Week in Fintech

We also spent time at Fintech Meetup USA, ACAMS (Hollywood, Las Vegas, Boston), Fintech NerdCon (Miami), Febraban Tech (São Paulo), Nacha Smarter Faster Payments, and the AFC Policy Summit.

Where you’ll find us in 2026

Yes, we’re doing it all again (but even bigger). Here’s what’s on the agenda so far.

• Mexico Fintech Week (TWIF) — Feb 23–27, Mexico City
  Fintech Meetup USA — Mar 30–Apr 1, Las Vegas (Neha speaking)

• Fraud Fight Club — Apr 14–15, Charlotte

• Nacha Smarter Faster Payments — Apr 26–29, San Diego

• Money20/20 Europe — June 2–4, Amsterdam

• Febraban Tech — Aug 24–26, São Paulo

• Fintech Meetup Europe — Oct 6–8, Lisbon

• Money20/20 USA — Oct 18–21, Las Vegas

We’ll also continue hosting RiskCons and virtual events throughout the year. Join our community to learn where we’ll be next. More dates are coming soon! 

(Online) conversations that mattered

Not every great conversation in 2025 happened in person. We also brought the community together virtually, hosting seven live webinars and two LinkedIn Live sessions that were practical, candid, and genuinely fun. These sessions tackled the questions risk teams are actively contending with, featuring real examples, strong opinions, and plenty of audience participation.

• Beyond Traditional Device Intelligence: The Future of Digital Identity & Fraud Prevention

• The Bank-Fintech Relationship: What No One Tells You

• Real-Time Detection and Response: Leveraging AI and Automation to Manage Stablecoin Risk

• The Growing Fraud Crisis in Credit Reporting

• What's New in KYC

• LinkedIn Live: Linas Beliūnas In Conversation with Neha Narkhede

• LinkedIn Live: Linas Beliūnas in Conversation with Saurabh Bajaj

• AI in Fraud: Redefining Strategy & Operations in the GenAI Era

• The Battle for the Agent Economy: Which Standard Will Win?

Missed out live? Don't worry, you can always replay our webinars on demand. Look out for more!

2026: Building from momentum

We’ve entered 2026 with real traction and a clear direction. The work ahead builds directly on what shipped, scaled, and held up in 2025.

A look at what’s coming next

• New AI agents extending automation across more risk workflows

• Smarter, more adaptive models designed to address emerging fraud patterns

• Expanded global infrastructure, including additional data center regions

• New capabilities for agentic commerce and AI-driven payments

• Continued expansion across Latin America, Europe, and the Middle East

• Support for new ACH fraud monitoring requirements, through our Nacha partnership

• Industry-specific solutions tailored to high-growth verticals

Join the team building the future of risk

We welcomed many new Oscilarians in 2025 across engineering, data science, and go-to-market and we’re still growing. If building safer, smarter financial systems sounds like your kind of work, we’d love to meet you. 

The momentum is real

2025 was a year of execution. We deepened relationships with global financial institutions, earned recognition from some of the industry’s most rigorous evaluators, and spent the year in close conversation with risk leaders shaping what comes next.

As real-time, AI Risk Decisioning moves from experiment to expectation, Oscilar is focused on the fundamentals: building systems teams can depend on: at scale, under pressure, and in the environments where it actually matters.

Thank you to our customers, partners, and colleagues for the trust behind this progress. We’re looking ahead to another year of building, learning, and raising the bar for how risk is managed.

Upwards and onwards!