Device-binding, emulator detection, and risk scoring purpose-built for financial services. TRACIO adds a hardware-level trust layer to authentication, onboarding, and transaction flows — without breaking user experience.
Financial institutions are the primary target for credential stuffing, account takeover, and synthetic identity fraud. Attackers use infostealer logs, SIM-swap services, and phishing kits to bypass passwords and MFA. By the time a session is hijacked, money has already moved.
Regulatory pressure compounds the problem. PSD2, KYC, and AML requirements demand device-level audit trails that session cookies cannot provide. When examiners ask 'what device initiated this transaction?' — IP addresses and user agents are not a defensible answer.
Bind verified devices to accounts at enrollment. Unrecognized hardware triggers step-up auth — no session token theft can bypass the hardware check.
Sub-50ms risk assessment on every money movement: device trust, IP plausibility, velocity patterns, and behavioral signals in a single API call.
Catch Genymotion, BlueStacks, and virtual machines at onboarding. Synthetic identity applicants often operate from environments real customers never use.
Surface money mule networks operating from shared hardware. When one device links to 3+ accounts, the graph exposes the cluster automatically.
Exportable device-level event logs for PSD2, KYC, and AML audits. Every login, transaction, and onboarding event tied to a persistent device record.
Detect when a session token migrates to a different device mid-flight. Session hijacking triggers re-authentication before any privileged operation.
Detect unrecognized devices at login before attackers reach high-value accounts. Device trust runs ahead of MFA for adaptive, risk-based authentication.
Learn moreDevice-level rate limiting shuts down bots cycling through breached credential lists — even when they rotate across residential proxies.
Learn moreLink every payment to a device trace. Suspicious device history, velocity spikes, and multi-account patterns surface before the transfer clears.
Learn moreCatch multi-accounting during sign-up. Device identity prevents the same person from opening multiple accounts to farm welcome bonuses or referral rewards.
Learn moreA few lines of code, one API response with everything you need.
import Tracio from '@tracio/client'const tracio = await Tracio.load({ apiKey: "tk_live_..." })// Score the device before granting accessconst { deviceId, riskScore } = await tracio.identify()await fetch("/api/auth/login", { method: "POST", body: JSON.stringify({ deviceId, riskScore, email: form.email, mfaToken: form.otp, }),})Start with a free plan. Deploy in minutes. See results from day one.