Baselayer
Baselayer is an AI-driven B2B risk assessment platform that automates business verification, KYB compliance, and fraud prevention for banks, fintechs, marketplaces, payments companies, and SMB lenders across 2,200+ financial institutions.
- Company typePrivate
- Founded2024
- HeadquartersNew York, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Baselayer does
Baselayer is an AI-driven B2B risk assessment platform that automates business verification, KYB compliance, and fraud prevention for financial institutions and adjacent verticals. The product is organized as a unified platform-plus-modules architecture spanning three product lines: Identity (Business Verification, KYB Rating, Industry Prediction, Consumer Solutions, Business Pre.Fill), Credit (Liens searching & filing, Lawsuits & Bankruptcies, Website Analysis, Risk Rating, Social Media & Reviews), and Monitoring (Portfolio Monitoring), supported by platform-level features — Identity Network, Data Sources, Risk Co.Pilot, and Fraud Consortium. Underlying technology leverages AI trained on signals from 120MM+ business records and data contributed by 2,200+ financial institutions, with proprietary clustering techniques for risk scoring and an agentic AI underwriting assistant (Risk Co.Pilot) that automates repetitive decisioning tasks.
The company serves banks & credit unions, fintechs, marketplaces, payments companies, and SMB lenders, with named customers including FIS, Nuvei, Plaid, Fundbox, Paysafe, LoanPro, Forward Financing, Faire, Bilt, Grasshopper, and Payabli. It operates an API-first go-to-market with self-serve credit-based onboarding (no sales call required) layered with enterprise field sales, plus strategic distribution partnerships — notably Socure's RiskOS (extending reach into ~40% of the U.S. financial services market) and an embedded integration with LoanPro for SMB lender workflows. Baselayer holds AICPA SOC 2 Type II certification and was recognized in Liminal's 2025 Business and Entity Verification Report as a Top-20 KYB leader.
The company is privately held, headquartered in New York, and has raised approximately $20.5 million across a $500K seed (March 2023, Afore Capital lead) and a $20M Series A (October 2024, Picus Capital lead), with the founders Jonathan Awad (CEO) and Timothy Hyde (CTO) at the helm.
Baselayer firmographics
Firmographics- Name
- Baselayer
- Website
- https://baselayer.com
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Baselayer is an AI-driven B2B risk assessment platform that automates business verification, KYB compliance, and fraud prevention for banks, fintechs, marketplaces, payments companies, and SMB lenders across 2,200+ financial institutions.
- Ownership category
- akta.pro rank
Baselayer industry classification
Industry- Product category
- Business Verification and KYB Software
- NAICS
- Software Publishers (5132), Credit Bureaus (561450)
- akta.pro primary industry
- KYC/KYB & Customer Onboarding (CIP, beneficial ownership, screening) (FSAGAFAB)
- akta.pro secondary industries
- Beneficial Ownership (UBO) & Corporate Registry Verification (KYB) (FSAMAMAK), Fraud, Risk, KYC/AML & Compliance Platforms (BPAMAFAI), SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)
Keywords
Where Baselayer is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Markets served
Baselayer business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations
Revenue model
- API Credits / Usage-based: Customers can start using Baselayer with credits - no sales call required, suggesting a consumption-based model where users pay for API calls or data queries consumed.
- Subscription Plans: Startup & Growth Plans offered, indicating tiered subscription pricing for different customer segments based on usage volume and feature access.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Startup & Growth Plans available |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Baselayer product offering
Product offeringCore offering
Baselayer sells an AI-powered software platform that automates B2B risk assessment, business identity verification (KYB), and fraud prevention for financial institutions and government entities. The platform delivers instant business verification across 100% of U.S. businesses, KYB scoring, industry classification, lien searching and filing, lawsuit and bankruptcy detection, website and social media risk analysis, and continuous portfolio monitoring, accessed via REST API or web console.
Product overview
Baselayer is an AI platform for business risk offering a unified platform-plus-modules architecture. The core platform provides identity verification, credit analysis, and fraud detection capabilities, supported by platform-level features including Identity Network, Data Sources, Risk Co.Pilot, and Fraud Consortium. The Identity product line includes Business Verification, KYB Rating, Industry Prediction, Consumer Solutions, and Business Pre.Fill. The Credit product line includes Liens (Searching & Filing), Lawsuits & Bankruptcies, Website Analysis, Risk Rating, and Social Media & Reviews. The platform also offers Portfolio Monitoring for ongoing risk tracking. Solutions are targeted at Banks & Credit Unions, Fintechs, Marketplaces, Payments companies, and SMB Lenders.
Differentiator
Problem solved
Functional benefit
Brands
- Risk Co.Pilot: AI-powered platform feature that automates repetitive underwriting tasks and delivers instant, explainable decisions.
- Identity Network
- Fraud Consortium
- Business Pre.Fill
- RiskOS
Products and services
- Business Verification
Quantifiable outcome
- Auto-approval rates increase by 92%
- +4 more outcomes
Companies that use Baselayer
Customer profileNamed customers14 records
Segments5 records
Ideal customer profiles4 records
Baselayer technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability6 records
Feature10 records
Baselayer partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- SocurecoreStrategic partnership integrating Baselayer's business verification and fraud signals into Socure's RiskOS™ platform. The partnership provides access to data from over 2,200 financial institutions combined with Socure's network of 3,000 customers, representing approximately 40 percent of the U.S. financial services market. Both companies were recognized in Liminal's 2025 Business and Entity Verification Report as top 20 leaders in the KYB verification space.
- LoanProcoreLoanPro hosted a webinar with Baselayer and Forward Financing to discuss fraud prevention, AI, and compliance in small and medium-sized business (SMB) financing. Baselayer's technology is embedded within LoanPro's platform to modernize onboarding and streamline lien filing.
- Forward FinancingminorForward Financing participated in a joint webinar with Baselayer and LoanPro on fraud prevention, AI, and compliance in SMB financing. The webinar highlighted the surge in new business formations and the need for automated AI-driven fraud detection systems.
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
Baselayer competitors and assessment
Company assessmentDirect peers
- Socure: Socure is a leading identity and risk decisioning platform whose RiskOS platform partners with Baselayer to embed KYB signals. Both are recognized as top-20 leaders in Liminal's 2025 KYB report and serve the same banks, fintechs, and SMB lenders with overlapping verification, KYC/KYB, and fraud-detection capabilities.
- Middesk: Middesk is a specialist KYB and business verification platform providing business identity verification, risk scoring, and underwriting data to fintechs and lenders. It competes head-to-head with Baselayer in the KYB rating, beneficial ownership, and business underwriting intelligence category.
- Persona: Persona is an identity verification platform offering KYC, KYB, and AML compliance tools with configurable workflows for financial institutions and fintechs. Both Persona and Baselayer serve the same buyer (risk and compliance leaders at banks and fintechs) with overlapping KYB, business verification, and fraud-prevention capabilities.
- Alloy: Alloy is an identity decisioning platform used by banks and fintechs to orchestrate KYC, KYB, and fraud checks via a single API. Its fraud, AML, and business verification capabilities compete directly with Baselayer's platform across SMB lenders, fintechs, and banks.
- Trulioo: Trulioo is a global identity verification platform providing business and consumer KYC/KYB across 195+ countries. It competes with Baselayer in KYB onboarding and verification for fintechs, marketplaces, and payment providers, though with broader international coverage.
- Veriff: Veriff provides identity verification and KYC/KYB automation for financial services, fintechs, and marketplaces. Both Veriff and Baselayer focus on AI-driven verification workflows for onboarding and fraud reduction in financial institutions.
- Prove: Prove is an identity and authentication platform offering phone-identity-based verification, KYC, and fraud-prevention APIs to banks and fintechs. Its verification and risk-scoring capabilities overlap meaningfully with Baselayer's business and consumer identity solutions.
Broad incumbents
- Mastercard (Ekata / Identity): Mastercard's Ekata and broader identity services provide global KYC, KYB, and risk data to financial institutions. As a broad incumbent, Mastercard competes with Baselayer on business verification and risk signals while bundling identity into card-network and enterprise relationships.
- Plaid: Plaid is a financial data platform serving thousands of fintechs, banks, and lenders; it is also a named Baselayer customer. Plaid's identity, income, and asset data products overlap with Baselayer's verification and risk offerings at the broader-platform level.
- Stripe Identity: Stripe Identity is a broader identity verification product embedded within Stripe's payments platform, serving marketplaces and merchants needing KYC and onboarding. It competes with Baselayer's payments and marketplace verification modules as part of a much larger commerce stack.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Baselayer social profiles
Digital presenceBaselayer compliance and trust
Trust signalCompliance1 record
Baselayer financial estimates
Financial estimateRevenue estimate
Valuation estimate
Baselayer leadership team
Management profileNumber of profiles
Profiles2 records
Baselayer funding detail
Funding detailFunding overview
Funding rounds5 records
Investors10 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Baselayer 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 Baselayer
What does Baselayer do?
Baselayer sells an AI-powered software platform that automates B2B risk assessment, business identity verification (KYB), and fraud prevention for financial institutions and government entities. The platform delivers instant business verification across 100% of U.S. businesses, KYB scoring, industry classification, lien searching and filing, lawsuit and bankruptcy detection, website and social media risk analysis, and continuous portfolio monitoring, accessed via REST API or web console.
When was Baselayer founded?
Baselayer was founded in 2024. It employs 11 to 50 people.
Where is Baselayer based?
Baselayer is headquartered in New York, United States, in the North America region.
How does Baselayer make money?
Two revenue lines are on record. API Credits / Usage-based is the primary driver. The others are subscription Plans.
Who are Baselayer's main competitors?
Direct peers on record are Socure, Middesk, Persona, Alloy, Trulioo, Veriff and Prove. Broad incumbents are Mastercard (Ekata / Identity), Plaid and Stripe Identity.
Does Baselayer have an API?
Yes. Baselayer offers an API for instant integration that meets enterprise demands. Developers can access the API via the console at console.baselayer.com and documentation at docs.baselayer.com. The API enables workflows including business verification, KYB rating, liens searching & filing, lawsuits & bankruptcies search, website analysis, risk rating, and portfolio monitoring. Developer documentation is at docs.baselayer.com.
What industry is Baselayer in?
Baselayer's product category is Business Verification and KYB Software. Its primary akta.pro industry code is FSAGAFAB, KYC/KYB & Customer Onboarding (CIP, beneficial ownership, screening), with a secondary code of FSAMAMAK, Beneficial Ownership (UBO) & Corporate Registry Verification (KYB). Its NAICS code is 5132.