Bank-grade fraud defense, rebuilt for the person holding the phone.
Large US financial institutions defend customers with a five-layer model shaped by decades of federal regulation. Those controls protect the bank. They were never designed for the grandparent receiving a text at 9pm, or the small-business owner copying a Zelle® request from a stranger.
VeriFyve takes those same five layers and rewrites each one for a consumer with a smartphone. Same defensive depth, no jargon, no enterprise dashboard.
Layer 1
How banks do it
Banks profile every device, session, and counterparty.
How VeriFyve does it for you
We fingerprint the sender, link, and business behind a message — phone numbers, domains, EINs, social handles — so you instantly see who is really reaching out.
Layer 2
How banks do it
Large banks watch how money moves and how people log in, and flag anything that looks unusual.
How VeriFyve does it for you
Our model scans screenshots, links, and stories you paste in for known scam typologies — and returns a plain-English risk score.
Layer 3
How banks do it
Banks add extra identity checks, pause suspicious transfers, and wall off sensitive accounts.
How VeriFyve does it for you
Before you tap, send, or pay, VeriFyve shows the safest next step — block, verify by callback, freeze credit, or report — tailored to the scam pattern detected.
Layer 4
How banks do it
Banks run 24/7 incident response and coordinated reporting to the Financial Crimes Enforcement Network (FinCEN), Federal Bureau of Investigation (FBI), and state regulators.
How VeriFyve does it for you
If something has already happened, our Playbook walks you through the same response steps — freeze, dispute, report — without the legalese.
Layer 5
How banks do it
Regulators require ongoing employee training and consumer awareness.
How VeriFyve does it for you
Academy turns the latest Federal Bureau of Investigation (FBI), Federal Trade Commission (FTC), and bank-issued advisories into 2-minute lessons anyone can finish on a phone, plus a live Trends feed of what is hitting your area now.
Why a consumer version was needed
Federal data shows where the gap is. The Federal Trade Commission (FTC) Consumer Sentinel Network logged more than $10B in reported consumer fraud losses in recent years, and the Federal Bureau of Investigation (FBI) Internet Crime Complaint Center (IC3) ranks imposter, investment, and business email compromise (BEC) scams as the costliest. Older adults and small-business owners are hit hardest. Institutional controls catch fraud against the bank's books; VeriFyve catches it before money or credentials ever leave your hand.
Every recommendation we surface is grounded in published guidance from the Federal Trade Commission (FTC), Consumer Financial Protection Bureau (CFPB), Federal Bureau of Investigation Internet Crime Complaint Center (FBI IC3), Financial Crimes Enforcement Network (FinCEN), Internal Revenue Service (IRS), United States Postal Inspection Service (USPIS), Social Security Administration Office of the Inspector General (SSA OIG), AARP®, and the major US banks' published fraud advisories — translated into a single tap on your phone.