{"id":101742,"title":"Incandor - Behavioral intelligence for fraud detection","tagline":"Real-time visibility into who's actually operating every account on your platform","body":"Hi all,\n\nWe're Matthew and Luc, two Stanford grads building Incandor (YC P26).\n\n\u003chttps://youtu.be/dWrp82VkDbA\u003e\n\n**TL;DR**: Banks verify identity at account creation, but have no continuous signal for who's actually operating an account afterward. Incandor builds that layer – a behavioral identity per session, persistent across the accounts, devices, and credentials a fraudster cycles through.\n\n## **The Problem**\n\nBanks have built layers of defense – KYC pipelines, device fingerprinting, transaction monitoring, rules engines built over decades. Fraud and money laundering are still a multi-hundred-billion dollar problem.\n\nEvery defense was built around identity, but **identity has become a commodity**:\n\n* **Attackers buy verified IDs in bulk**, pass document checks, rotate devices, and stay under transaction thresholds by design\n* **A mule operator running 40 accounts under 40 different identities** can look like 40 unrelated people to every system you have\n* **Coordinated rings move money across your platform sharing no transactions, no devices, no names** – invisible to rules engines until it's too late\n\nBanks have strong verification at account creation and strong monitoring of transactions, but no continuous, identity-level signal in between. Incandor is that layer.\n\n## **The Solution**\n\n**Incandor analyzes how people physically interact with their devices (taps, clicks, scrolls, etc.) and turns every session into a behavioral point**. Every human creates a unique cluster. We then place all these points in a map to provide a population view of all users.\n\nIncandor allows banks to reconcile the operators of accounts through their behavior alone. From this, we can identify the most common patterns among fraud rings:\n\n* **We can detect when the person operating an account changes mid-life**, a tell-tale sign of a mule handoff, resale of accounts, account takeover, or other bespoke coordinated activity.\n* Detecting when account changes hands isn’t enough, though – **we can identify the operator behind that behavior and inspect their activity across the platform**.\n* **We can see when someone is operating multiple accounts** – very typical for coordinated fraud or money laundering.\n* After a confirmed fraud case, banks can flag the operator so that if they attempt to return to the platform, **we can block banned operators during onboarding or if they later take over another account**.\n\nWe’ve designed this system so that banks can integrate the navigation of Incandor’s behavioral map into their own workflows which may also contain transaction linking and other linking signals.\n\nIntegration is simply a matter of deploying our SDK which sends us these behavioral telemetry signals. Once signals are in, our API for interacting with the map becomes live.\n\n**We collect only behavioral signals – not what users type, read, or view.** Behavior alone enables operator-level reconciliation, and keeps user data private by design.\n\n## **The Ask**\n\nWe're onboarding early customers and would love intros to any of the following at commercial and consumer banks, fintechs, neobanks, or digital banks:\n\n* Chief Risk Officers / Chief Compliance Officers\n* Heads of Fraud / Financial Crime / AML\n* Fraud engineers or investigators\n* CEOs / CTOs at Series A-E fintechs\n\nReach out directly at [matthew@incandor.com](mailto:matthew@incandor.com) or [luc@incandor.com](mailto:luc@incandor.com) :)","slug":"QT0-incandor-behavioral-intelligence-for-fraud-detection","created_at":"2026-05-21T22:27:38.929Z","updated_at":"2026-05-25T04:18:19.072Z","total_vote_count":24,"url":"https://www.ycombinator.com/launches/QT0-incandor-behavioral-intelligence-for-fraud-detection","share_image_url":"//bookface-static.ycombinator.com/assets/ycdc/yc-og-image-c440a0ad1dacfb86eeeb343717479cc54d256614449b4ef719977a0a451f8bc8.png","company":{"id":31365,"name":"Incandor","slug":"incandor","url":"https://www.incandor.com","logo":"https://bookface-images.s3.amazonaws.com/small_logos/897d4bcd4f8d8953ac74712b5cc1711e4eb40c78.png","batch":"Spring 2026","industry":"B2B","tags":["Security","AI"],"search_path":"https://bookface.ycombinator.com/company/31365"}}