Block unauthorized access at the device layer.
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.
PSD2 doesn't accept IP addresses.
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.
Industry-specific device intelligence
Device-Account Binding
Bind verified devices to accounts at enrollment. Unrecognized hardware triggers step-up auth — no session token theft can bypass the hardware check.
Transaction Risk Score
Sub-50ms risk assessment on every money movement: device trust, IP plausibility, velocity patterns, and behavioral signals in a single API call.
Emulator & VM Detection
Catch Genymotion, BlueStacks, and virtual machines at onboarding. Synthetic identity applicants often operate from environments real customers never use.
Cross-Account Device Graph
Surface money mule networks operating from shared hardware. When one device links to 3+ accounts, the graph exposes the cluster automatically.
Compliance-Ready Audit Trail
Exportable device-level event logs for PSD2, KYC, and AML audits. Every login, transaction, and onboarding event tied to a persistent device record.
Session Continuity Monitoring
Detect when a session token migrates to a different device mid-flight. Session hijacking triggers re-authentication before any privileged operation.
Top fraud vectors in this industry
Account Takeover Protection
Detect unrecognized devices at login before attackers reach high-value accounts. Device trust runs ahead of MFA for adaptive, risk-based authentication.
Learn moreCredential Stuffing Prevention
Device-level rate limiting shuts down bots cycling through breached credential lists — even when they rotate across residential proxies.
Learn moreTransaction Fraud Detection
Link every payment to a device trace. Suspicious device history, velocity spikes, and multi-account patterns surface before the transfer clears.
Learn moreOnboarding & Bonus Abuse
Catch multi-accounting during sign-up. Device identity prevents the same person from opening multiple accounts to farm welcome bonuses or referral rewards.
Learn moreBefore vs. after TRACIO
- Valid credentials + VPN = successful unauthorized account access
- SIM-swap and phishing proxies bypass SMS-based MFA
- Money mule networks invisible behind separate account IDs
- Regulatory audits lack device-level transaction evidence
- Synthetic identity applicants pass KYC with emulator-based submissions
- Unrecognized devices challenged before access is granted
- Device check runs before MFA — hardware trust cannot be phished
- Cross-account device graph surfaces mule networks automatically
- Exportable device event logs satisfy PSD2 and AML audit requirements
- Emulators and VMs caught at the onboarding step
Get started in minutes
A 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, }),})Frequently asked questions
Add a hardware trust layer to every login and transaction.
Start with a free plan. Deploy in minutes. See results from day one.