Fraudio
Fraudio is an Amsterdam-based payments fraud detection and financial-crime scale-up founded in 2019 by João Moura (CEO), Nathan Trousdell (COO), and team, with additional offices in London, Lisbon, and Barcelona. Fraudio delivers AI- and machine-learning-driven fraud detection as a managed service to merchant acquirers, payment service providers, card issuers, and banks, with a product line that covers card payment fraud, merchant initiated fraud, anti-money laundering, authorised push payment (APP) fraud, and money mule detection. The company markets itself as "Generation 3" fraud detection, advancing past rule-based (Gen 1) and bespoke per-customer ML (Gen 2) approaches by training a single centralized "patent pending AI super brain" on the pooled transaction history of all of its customers, claiming network-effect performance gains versus single-tenant models. Fraudio integrates with customers through a plug-and-play real-time scoring API with sub-100ms response times, configurable risk-appetite thresholds, and no upfront integration or setup cost. Customers include Viva Wallet, Silverflow, Pismo, Bancontact, Fazz, PayTabs, IXOPAY, Bold.co, SaltPay, WiPay, ePayco, and LOQR. Fraudio is ISO 27001 certified, was selected for the Visa Innovation Program (2023), is co-financed by the EU Lisboa 2030 programme, has raised roughly $3.3M seed plus a Series A round (March 2025), and counts BigStar Ventures, BYND Venture Capital, Teya, Viva Wallet, Portugal Ventures, Iberis Capital, Shilling, and CTT among its investors. There is no public developer portal, no open API reference, no public OpenAPI spec, no SDK, and no GitHub organization — the fraud-scoring API is delivered as a gated B2B integration through a commercial sales process.
Index entry only — little beyond a description and a link, and nothing machine-readable enough for an agent to act on without a human reading the site first.
API Evangelist profiles Fraudio the way a machine reads it — 1 machine-readable artifact, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Fraudio scores 8.1/100 (minimal), with a separate agent-readiness read of 0/100 (human only). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Fraudio
Each block below is one kind of artifact we hold for Fraudio. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
Security Posture 1
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Resources
Every other property we hold for Fraudio — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Access & Security 2
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Company 6
The organization behind the API
Other 5
Properties that don't map to a standard resource type
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