Oscilar
Oscilar provides an agentic AI Risk Decisioning platform that unifies fraud, credit, onboarding, and AML compliance for financial institutions. Its no-code, cloud-native platform processes 30B+ decisions/year at sub-100ms latency across 100+ banks, fintechs, credit unions, sponsor banks, and digital asset companies.
- Company typePrivate
- Founded2021
- HeadquartersPalo Alto, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Oscilar does
Oscilar is a private, Palo Alto-based software company founded in 2021 by Neha Narkhede (CEO) and Sachin Kulkarni (CTO). The company provides an Agentic AI Risk Decisioning Platform for financial institutions, unifying fraud, credit, onboarding, and AML compliance workflows on a single no-code, cloud-native substrate with sub-100ms real-time inference. The platform combines Foundational Tuned Models (pre-built, fine-tunable ML models for ACH fraud, first-party fraud, ATO, cashflow scoring, transaction monitoring), Cognitive Identity Intelligence (1,000+ device, behavioral, and digital identity markers), Visual Network Analysis (graph analytics for mule and fraud ring detection), and the Agent Hub (30+ orchestrated AI agents sharing a unified customer risk memory and governed analyst feedback loop). The system processes 30B+ automated risk decisions per year at 120,000+ requests per second, and is used by 100+ financial institutions globally.
Oscilar's customer base spans enterprise banks, fintechs, credit unions, sponsor banks, and digital asset companies, with flagship named customers including MoneyGram, Payoneer, SoFi, Nuvei, Clara, Fluz, Coast, Balance, Cashco Financial, Transend, and Barte. The go-to-market is enterprise-led with "Get a Demo" CTAs, supported by the 80+ partner Oscilar Marketplace, an evolv Consulting implementation partnership, a Nacha Preferred Partner designation (covering Account Validation, Fraud Monitoring, and Risk and Fraud Prevention), and named technology integrations with Mastercard, TransUnion, Experian, and Equifax. Documented customer outcomes include 45% fewer false positives, 5x faster risk-policy deployment, 3x faster AML alert disposition, 50% faster credit risk policy deployment at SoFi, 70% cost reduction at Cashco, and 90% faster risk-model updates at Transend.
The business model is enterprise SaaS, with quote-based pricing tied to transaction volume and breadth of use cases, layered on annual/multi-year subscriptions. Revenue also includes implementation and professional services (delivered directly or via evolv Consulting) and a data/API resale take-rate from the marketplace pass-through of third-party data vendors. Specialized offerings include the NACHA 2026 Fast Track program (a 12-week fixed-scope compliance implementation tied to the March/June 2026 Nacha deadlines), and the company's own RiskCon industry event supports category thought leadership. The company is privately held with 51-100 employees and one disclosed funding round of $20M (dated July 2021); no subsequent funding rounds, investor identities, cap-table details, or revenue figures are disclosed in the available data.
Oscilar firmographics
Firmographics- Name
- Oscilar
- Legal name
- Oscilar, Inc.
- Website
- https://oscilar.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Oscilar provides an agentic AI Risk Decisioning platform that unifies fraud, credit, onboarding, and AML compliance for financial institutions. Its no-code, cloud-native platform processes 30B+ decisions/year at sub-100ms latency across 100+ banks, fintechs, credit unions, sponsor banks, and digital asset companies.
- Ownership category
- akta.pro rank
Oscilar industry classification
Industry- Product category
- Risk Decisioning Software
- NAICS
- Custom Computer Programming Services (541511), Computer Systems Design Services (541512)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Model Serving, Inference & Deployment Platforms (APIs, Edge/On-Prem) (HDAEANAC)
- akta.pro secondary industry
- Intelligent Document Processing (IDP) & OCR Automation (HDAEAHAC)
Keywords
Where Oscilar is headquartered
LocationHeadquarters
- HQ city
- Palo Alto
- HQ country
- United States
- HQ region
- North America
Markets served
Oscilar business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Operations
Revenue model
- Enterprise SaaS subscription: Primary revenue stream from SaaS contracts sold to financial institutions (banks, fintechs, credit unions, sponsor banks, digital assets). Pricing is flexible and based on transaction volume and use cases, delivered as recurring subscriptions (annual/multi-year) negotiated per institution. Customer deployments are described as ongoing platform subscriptions rather than one-time licenses.
- Usage / transaction-volume based pricing: Pricing scales with transaction volume and the breadth of use cases (onboarding, credit underwriting, fraud, AML, collections), consistent with the published Fast Track NACHA pricing note ("Oscilar offers flexible pricing based on transaction volume and use cases"). Functions as a usage / volume-based component layered on top of the subscription.
- Implementation and professional services: Revenue from implementation, configuration, and time-to-value acceleration services delivered directly by Oscilar or via implementation partners such as evolv Consulting. Described as a "product and services partnership" enabling financial institutions to deploy AI-powered credit decisioning platforms more quickly.
- Data / API resale (marketplace pass-through): Oscilar resells third-party data vendor API access (e.g., credit bureaus, identity data) via its marketplace, passing through bulk-negotiated pricing to customers such as Transend. Generates a take-rate / margin on data consumption in addition to core platform fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Quote-based enterprise pricing tied to transaction volume and use cases |
| Subscription | Multi-year contract | NACHA 2026 Fast Track Program — 12-week fixed-scope implementation |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels10 records
Oscilar product offering
Product offeringCore offering
Oscilar provides an agentic, no-code, cloud-native AI Risk Decisioning Platform that unifies onboarding, credit underwriting, fraud detection, and AML compliance on a shared customer risk memory for financial institutions. The platform runs the Oscilar Agent Hub layer of more than 30 specialized AI agents, Foundational Tuned Models retrained on each customer's data, and a Cognitive Identity Intelligence layer with 1,000+ behavioral and device markers, processing 30B+ risk decisions per year at sub-100ms latency. It is delivered via enterprise SaaS subscriptions, quote-based on transaction volume and use cases, with an 80+ partner data marketplace and implementation services from Oscilar and partners such as evolv Consulting.
Product overview
Oscilar offers a single unified Agentic Risk Platform — the Oscilar AI Risk Decisioning Platform — that combines the core no-code decisioning engine with the Oscilar Agent Hub (a layer of 30+ orchestrated AI agents), the Cognitive Identity Intelligence device-and-behavioral module, the Foundational Tuned Models library, and four domain-specific solution suites (Onboarding, Credit, Fraud, Compliance). The platform is delivered as one product with modular extensions, accessed via an Open API ecosystem and the 80+ partner Oscilar Marketplace. Specialized programs such as the NACHA 2026 Fast Track sit on top of the same platform foundation.
Differentiator
Problem solved
Functional benefit
Brands
- Agent Hub: Oscilar Agent Hub - a coordinated suite of more than 30 specialized AI agents for fraud, AML compliance, credit, onboarding, sanctions, disputes, analytics, workflow creation, and explainability, operating on a shared risk memory.
- Cognitive Identity Intelligence
- RiskCon
Products and services
- Oscilar AI Risk Decisioning Platform Agentic, no-code, cloud-native risk decisioning platform that unifies onboarding, credit underwriting, fraud detection, and AML compliance on a shared customer risk profile for financial institutions. Ships with Foundational Tuned Models, Cognitive Identity Intelligence, and an 80+ partner marketplace, processing 30B+ decisions/year at 120K+ requests/second under 100ms latency.
- Oscilar Agent Hub Orchestrated AI agent layer for the Oscilar platform that runs 30+ specialized risk agents (Workflows, RuleRec, AML L1, SAR Narrative, Sanctions, PEP, CTR, Credit Explainability, Translator, Fraud Disputes, TestGen, Analytics) on a shared customer risk memory with governed analyst feedback loops, designed for fraud, credit, onboarding, and AML teams at financial institutions.
- Oscilar NACHA 2026 Fast Track Program 12-week implementation and compliance program for U.S. financial institutions needing to meet Nacha 2026 ACH fraud monitoring, account validation, and risk prevention rules, delivered on the Oscilar AI Risk Decisioning Platform with pre-built detection libraries and Agentic AI agents.
Quantifiable outcome
- 45% reduction in false positives (Agent Hub)
- +11 more outcomes
Companies that use Oscilar
Customer profileNamed customers12 records
Segments5 records
Ideal customer profiles2 records
Oscilar technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability12 records
Feature8 records
Oscilar partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered minor, core and flagship.
- American Fintech CouncilminorOscilar is recognized in connection with the American Fintech Council, an industry association that supports and represents the U.S. fintech ecosystem, providing peer-credibility and ecosystem-level partnership visibility.
- Chartis ResearchminorOscilar was named to Chartis FCC50 2026 and recognized by Chartis for Agentic AI Innovation across fraud, compliance, and credit. This is an analyst recognition rather than a commercial partnership.
- BartecoreBrazilian financial platform Barte has adopted Oscilar's AI-powered risk decisioning platform to transform its fraud and compliance operations. The integration enables real-time, low-latency risk decisions, including Mastercard's transaction risk data, to support faster and more accurate fraud detection.
- MastercardcoreMastercard transaction risk data is integrated into Oscilar's platform to power real-time, low-latency fraud decisions, evidenced through the Barte deployment. Enhances fraud detection by incorporating issuer/network-level transaction risk signals into Oscilar's AI Risk Decisioning workflow.
- evolv ConsultingcoreProduct and services partnership to accelerate high-quality implementations of AI-powered credit decisioning platforms for financial institutions. The partnership combines Oscilar's no-code, cloud-native technology with evolv's implementation expertise. A major U.S.-based digital financial platform successfully deployed Oscilar's AI Risk Decisioning platform, achieving 50% faster deployment of new credit risk policies and 30% improved processing speed.
- NachaflagshipNacha announced Oscilar as a Preferred Partner for Account Validation, Fraud Monitoring, and Risk and Fraud Prevention. Oscilar's AI Risk Decisioning platform supports ACH network security with real-time decisions, adaptive AI, and compliance automation aligned with recent and upcoming Nacha rules (NACHA 2026).
- PayoneerflagshipPayoneer (NASDAQ: PAYO) selected Oscilar to modernize its fraud and risk intelligence infrastructure, integrating Oscilar's AI and ML platform across its core payment systems. The partnership aims to enhance threat detection, accelerate model iteration, and enable real-time adaptation to emerging fraud patterns through autonomous, scalable controls. Payoneer processes tens of billions of dollars in volume across more than 7,000 trade corridors and millions of participants worldwide.
- MoneyGramflagshipStrategic partnership to build the future of AI-powered risk intelligence for global payments. Oscilar consolidates MoneyGram's fraud, compliance, and AML operations on a single platform, including device fingerprinting and behavioral analytics. MoneyGram operates in over 200 countries and territories with 20,000 corridors and 5B+ digital endpoints. Reported benefits include up to 70% reduction in data migration time and unified fraud/AML/compliance stack.
Scale indicators17 records
Recent moves6 records
Expansion highlights6 records
Oscilar competitors and assessment
Company assessmentDirect peers
- Featurespace: Featurespace provides adaptive behavioral analytics for fraud and risk decisioning to banks, card issuers, and fintechs — a directly comparable AI-driven transaction monitoring and risk platform targeting overlapping financial-institution buyers.
- Alloy: Alloy is an identity and risk decisioning platform for banks, fintechs, and credit unions, with KYC/KYB orchestration and ongoing risk monitoring. It competes most directly with Oscilar's onboarding suite and shared customer risk profile capabilities.
- DataVisor: DataVisor delivers AI-powered fraud and AML solutions to banks, fintechs, and digital platforms using unsupervised ML and a unified rules/ML engine — a directly comparable offering to Oscilar's fraud and AML suite, with overlapping enterprise FI customers.
- Feedzai: Feedzai is a direct competitor offering an AI-native risk operations platform for fraud and AML across banks, fintechs, and payment processors, with very similar buyer profile, real-time decisioning scale, and enterprise sales motion to Oscilar.
- Sardine: Sardine provides fraud, AML, and compliance decisioning for fintechs and digital banks using AI and device/behavioral signals — a directly comparable AI risk platform to Oscilar, especially overlapping in fintech and digital-asset customer segments.
Emerging players
- Persona: Persona is an identity verification and KYC/KYB platform used by fintechs, banks, and crypto firms, with overlap to Oscilar's onboarding suite. Persona is an emerging player with comparable AI-driven onboarding workflows but a more narrow identity focus than Oscilar's unified risk platform.
- ComplyAdvantage: ComplyAdvantage offers AI-driven AML, KYC, sanctions, and transaction monitoring used by banks, fintechs, and crypto firms — overlapping strongly with Oscilar's AML suite, though with a narrower focus on financial crime rather than the full fraud/credit/onboarding/AML stack.
Broad incumbents
- NICE Actimize: NICE Actimize is a broad incumbent in enterprise financial crime, AML, and fraud risk platforms, with a much larger installed base at Tier 1 banks and global FIs. It overlaps with Oscilar's fraud, AML, and case management capabilities but as part of a wider, slower-moving suite.
- FICO: FICO's Falcon Fraud Platform and decisioning suite are foundational enterprise fraud and risk decisioning infrastructure for global card networks and banks, making FICO a broad incumbent competitor to Oscilar's fraud and credit decisioning offering.
- SAS Fraud Management: SAS provides enterprise-scale fraud detection, AML, and risk decisioning software to large banks and financial institutions globally. It is a broad incumbent competitor in the same enterprise risk decisioning category, with deeper Tier 1 bank penetration but slower innovation cycles.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat7 records
Key risks6 records
Key highlights7 records
Customer concentration
Oscilar social profiles
Digital presenceOscilar compliance and trust
Trust signalCompliance4 records
Oscilar financial estimates
Financial estimateRevenue estimate
Valuation estimate
Oscilar leadership team
Management profileNumber of profiles
Profiles2 records
Oscilar funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Oscilar M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Oscilar
What does Oscilar do?
Oscilar provides an agentic, no-code, cloud-native AI Risk Decisioning Platform that unifies onboarding, credit underwriting, fraud detection, and AML compliance on a shared customer risk memory for financial institutions. The platform runs the Oscilar Agent Hub layer of more than 30 specialized AI agents, Foundational Tuned Models retrained on each customer's data, and a Cognitive Identity Intelligence layer with 1,000+ behavioral and device markers, processing 30B+ risk decisions per year at sub-100ms latency. It is delivered via enterprise SaaS subscriptions, quote-based on transaction volume and use cases, with an 80+ partner data marketplace and implementation services from Oscilar and partners such as evolv Consulting.
Is Oscilar a public or private company?
Oscilar is a private company. It is classified as venture growth investor backed and is currently operating.
When was Oscilar founded?
Oscilar was founded in 2021. It employs 51 to 100 people.
Where is Oscilar based?
Oscilar is headquartered in Palo Alto, United States, in the North America region.
How does Oscilar make money?
Four revenue lines are on record. Enterprise SaaS subscription is the primary driver. The others are usage / transaction-volume based pricing, implementation and professional services and data / API resale (marketplace pass-through).
Who are Oscilar's main competitors?
Direct peers on record are Featurespace, Alloy, DataVisor, Feedzai and Sardine. Emerging players are Persona and ComplyAdvantage. Broad incumbents are NICE Actimize, FICO and SAS Fraud Management.
Does Oscilar have an API?
Yes. Oscilar exposes a "Restricted APIs" surface and an "Open API ecosystem" that integrates with customers' existing data sources, case management systems, and core banking platforms. The platform also enables users to call LLMs, validate data, and automate complex analysis programmatically via the Create-Your-Own-Agent capability within Agent Hub. Specific public API documentation URL, authentication method, and rate limits are not publicly disclosed.
What industry is Oscilar in?
Oscilar's product category is Risk Decisioning Software. Its primary akta.pro industry code is HDAEANAC, Model Serving, Inference & Deployment Platforms (APIs, Edge/On-Prem), with a secondary code of HDAEAHAC, Intelligent Document Processing (IDP) & OCR Automation. Its NAICS code is 541511 and its SIC code is 7370.