TrustDecision
TrustDecision is a Singapore-based AI risk intelligence provider serving banks, fintechs, and consumer finance lenders globally with AI-powered fraud detection, AML, credit risk decisioning, and eKYC identity verification solutions, operating as the international brand of Chinese parent Xiaodun (小盾未来).
- Company typePrivate
- Founded2013
- HeadquartersShenzhen, China
- Headcount1,001–5,000
- GTM typeB2B
- OfferingSoftware
What TrustDecision does
TrustDecision is the Singapore-headquartered international brand of Zhejiang Xiaodun Future Technology Co., Ltd. (浙江小盾未来科技有限公司, also branded 小盾安全 / Xiaodun Security), a Chinese AI company founded in 2013 that builds AI-powered risk intelligence platforms for financial institutions. The company targets banks, fintechs, digital banks, and consumer finance lenders with solutions spanning fraud detection, anti-money laundering (AML), credit risk decisioning, identity verification (eKYC), and digital onboarding. Its parent reports serving 10,000+ enterprise customers globally, with publicly visible logos including major Chinese banks (ICBC, ABC, Bank of Communications, Minsheng, Guangfa, Bank of Shanghai, Evergrowing, Bank of Nanjing), insurers (PICC, China Life, CPIC, Sunshine), and technology firms (Huawei, ZhongAn, 360), as well as international customers such as Rizal Commercial Banking Corporation (RCBC) in the Philippines.
TrustDecision's product portfolio centers on a decision intelligence stack combining proprietary machine learning, advanced analytics, computer vision (for document recognition and biometric liveness detection), and privacy-preserving computation. Core offerings include Agentic AI for Fraud Detection and Credit Risk Decisioning (introduced April 2026 with domain-specific agents including a Sponsor Investigation agent and a Rule Mining agent), a Fraud Risk Management and AML Platform, an eKYC Identity Verification solution, and the AI-powered credit scoring product 小盾智信分 (XiaoDun Zhixin Score). Underlying infrastructure includes ApexDB — a self-developed Redis-compatible distributed multi-threaded KV database supporting up to 1 million TPS with 1ms single-node latency — the 极溯指标平台 (Extreme Tracing Indicator Platform) for ultra-high concurrency data processing, the 智策 (Zhice) Decision Intelligence Platform, and the 智邦 (Zhibang) Shared Intelligence Platform for privacy-computing-based collaborative analysis.
TrustDecision operates an enterprise SaaS subscription revenue model on a quote-based pricing structure, with no publicly disclosed list pricing. Go-to-market is enterprise field sales targeting financial institutions, supplemented by channel partnerships — most notably as a core member of Huawei's RONGHAI ecosystem, founding member of the Huawei Cloud Singapore AI Pioneer Partner Ecosystem Alliance, and a participant in Huawei Partner Park at GITEX 2025. The company maintains regional headquarters in Singapore and Mexico City, with branch offices across China (Hangzhou, Beijing, Shanghai, Shenzhen, Guangzhou, Chengdu, Hong Kong), Southeast Asia (Jakarta, Kuala Lumpur), the Middle East (Dubai), and the United States. Third-party recognition includes placement as a Niche Player in the 2025 Gartner Magic Quadrant for Identity Verification. Cumulative disclosed funding across six rounds from 2013-2019 totals approximately $251.8M, with no disclosed funding activity thereafter.
TrustDecision firmographics
Firmographics- Name
- TrustDecision
- Legal name
- 浙江小盾未来科技有限公司 (Zhejiang Xiaodun Future Technology Co., Ltd.)
- Website
- https://tongdun.cn
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- TrustDecision is a Singapore-based AI risk intelligence provider serving banks, fintechs, and consumer finance lenders globally with AI-powered fraud detection, AML, credit risk decisioning, and eKYC identity verification solutions, operating as the international brand of Chinese parent Xiaodun (小盾未来).
- Ownership category
- akta.pro rank
TrustDecision industry classification
Industry- Product category
- Financial Risk Management Software
- NAICS
- Other Activities Related to Credit Intermediation (522390), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320), Loan Brokers (6163), Finance Services (6199)
- akta.pro primary industry
- Risk Scoring, Credit & Fraud Analytics (counterparty/wallet risk) (FSAPAJAF)
- akta.pro secondary industries
- Responsible AI, Security & Privacy Platforms (Safety, Guardrails, PII) (HDAEANAG), Collateral, Lien & Asset Valuation Platforms (Auto, Equipment, Real Estate) (FSAGAHAG), Regulatory Readiness & Audit Automation (e.g., EU AI Act, NIST AI RMF, ISO/IEC 42001) (HDAAAMAE)
Keywords
Where TrustDecision is headquartered
LocationHeadquarters
- HQ city
- Shenzhen
- HQ country
- China
- HQ region
- Asia
Offices13 records
Markets served
TrustDecision business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- Enterprise SaaS Subscriptions: TrustDecision provides AI-powered risk intelligence solutions to financial institutions on a subscription basis, including fraud detection, credit risk decisioning, and identity verification services.
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
TrustDecision product offering
Product offeringCore offering
TrustDecision provides AI-powered risk intelligence software to financial institutions, combining machine learning, advanced analytics, and privacy-preserving computation for fraud prevention, credit risk decisioning, identity verification, and anti-money laundering. Core product lines include Agentic AI capabilities with domain-specific investigation and rule-mining agents, an eKYC identity verification platform, an AML/fraud risk management platform, AI credit scoring (小盾智信分), a high-performance distributed KV database (ApexDB), and decision-intelligence / shared-intelligence platforms. The solutions are sold on an enterprise subscription basis to banks, fintechs, digital banks, and consumer finance lenders across Southeast Asia, Latin America, the Middle East, and Greater China.
Product overview
TrustDecision is a Singapore-based risk intelligence provider offering a comprehensive AI-powered risk management product portfolio. The core offerings include Agentic AI for fraud detection and credit risk decisioning, Identity Verification (eKYC) for digital onboarding, and a Fraud Risk Management and Anti Money Laundering platform. Supporting infrastructure includes ApexDB (a Redis-compatible distributed KV database), the Zhice Decision Intelligence Platform, and the Zhibang Shared Intelligence Platform (privacy computing). The XiaoDun Zhixin Score provides AI-powered credit risk scoring. The company targets financial institutions including banks, fintechs, digital banks, and consumer finance lenders across Southeast Asia, Latin America, and the Middle East.
Differentiator
Problem solved
Functional benefit
Products and services
- Agentic AI for Fraud Detection and Credit Risk Decisioning AI-powered risk decisioning system featuring autonomous agents — a Sponsor Investigation agent for fraud and AML case analysis and a Rule Mining agent that converts investigation outcomes into deployable rules — forming a closed-loop decisioning workflow for banks and fintechs with human oversight retained for higher-risk decisions.
- Identity Verification (eKYC) AI-powered digital identity verification solution that uses document recognition, biometric liveness detection, and device intelligence to prevent identity fraud during account opening and ensure eKYC compliance for banks, fintechs, and other digital service providers.
- Fraud Risk Management and Anti Money Laundering Platform AI-driven platform that uses advanced analytics, machine learning, and artificial intelligence to enhance risk assessment, detection, and prevention of cyber fraud and money laundering for financial institutions.
- ApexDB — 信创分布式高性能KV数据库 (ApexDB Distributed High-Performance KV Database) Self-developed distributed high-performance multi-threaded KV database, Redis-compatible, using Share-Nothing architecture, capable of up to 1 million TPS with 1ms latency at single node, with built-in native operators that complete computation-storage integrated requests in under 1 millisecond.
- 极溯指标平台 (E Zhi Indicator Platform) Core product of the decision intelligence system providing ultra-high concurrency data processing and supporting standardized indicator systems for financial, payment, and insurance scenarios.
- 小盾智信分 (XiaoDun Zhixin Score) AI Credit Score AI-powered risk scoring card model using artificial intelligence to construct stable and predictive credit risk scores that help credit institutions accurately identify potential default risks.
- 智策 (Zhice) Decision Intelligence Platform AI-based decision intelligence platform focusing on financial risk, security risk, and government governance scenarios, supporting multi-industry customers in digital transformation.
- 智邦 (Zhibang) Shared Intelligence Platform Privacy-computing-based shared intelligence platform supporting collaborative data analysis across parties while maintaining data privacy.
Quantifiable outcome
- As financial institutions move from experimentation to production deployment, focus shifts to governance, control, and explainability with human oversight retained for higher-risk decisions.
Companies that use TrustDecision
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles3 records
TrustDecision technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability9 records
Feature6 records
TrustDecision partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core, flagship and minor.
- HuaweicoreTrustDecision is a key ecosystem partner in Huawei's RONGHAI program, collaborating on AI-powered anti-fraud solutions for financial institutions worldwide. At HiFS 2026, Huawei announced partnerships with TrustDecision along with Keyrus, Sunline, Sensors Data, Stefanini, Alauda, and Rancher for joint solutions in data governance, anti-fraud, and containerization.
- RCBC (Rizal Commercial Banking Corporation)coreRCBC partnered with TrustDecision to launch an AI-driven Fraud Risk Management and Anti Money Laundering platform in the Philippines. The platform utilizes advanced analytics, machine learning, and artificial intelligence to enhance risk assessment, detection, and prevention of cyber fraud and money laundering.
- Huawei Cloud Singapore AI Pioneer Partner Ecosystem AllianceflagshipTrustDecision is a founding member of the Huawei Cloud Singapore AI Pioneer Partner Ecosystem Alliance, launched at Huawei Cloud & AI Partner Summit Singapore 2025. The alliance brings together nine AI companies including YITU Technology, Weaver Network International, Sunline Holding, TrustDecision, Udesk, iFLYTEK, Neuxnet, Sefonsoft, and AiMall to accelerate AI adoption across Singapore's public services, retail, education, fintech, transport, and enterprise sectors.
- Atmaal (Saudi Arabia)flagshipTrustDecision, along with Neuxnet and Speakly AI (three RongHai partners), signed strategic cooperation agreements with Saudi Arabia's Atmaal, expanding Huawei's RongHai program to over 20 countries and marking significant entry into the Middle East market.
- Huawei Partner Park / GITEX GLOBALminorTrustDecision participated in Huawei's Partner Park at GITEX GLOBAL 2025 in Dubai, showcasing joint AI-enabled financial fraud detection solutions alongside five other sponsoring partners across oil & gas, education, finance, and transportation industries.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
TrustDecision competitors and assessment
Company assessmentDirect peers
- Feedzai: AI-native financial risk management platform offering real-time fraud detection, AML, and credit risk decisioning for banks and fintechs — directly overlapping TrustDecision's core fraud and AML use cases across retail and transaction banking.
- DataVisor: AI-based fraud and AML platform serving global banks, fintechs, and digital lenders with unsupervised ML and rule-based decisioning — a head-to-head competitor in the same AI-fraud category that TrustDecision competes in across APAC and emerging markets.
- Sift: Digital trust and safety SaaS platform providing fraud detection, account protection, and content integrity via ML — comparable in business model (enterprise SaaS for digital-first financial flows) and customer base (fintechs and digital banks).
- Onfido: AI-based digital identity verification and AML/KYC platform — directly competes with TrustDecision's Identity Verification offering, particularly for digital onboarding in fintech and banking.
- ComplyAdvantage: AI-driven AML, sanctions screening, KYC, and fraud detection platform for banks, fintechs, and regulated entities — directly comparable to TrustDecision's AML and KYC capabilities with similar enterprise SaaS distribution.
- Jumio: AI-powered identity verification and eKYC vendor recognized in the Gartner Magic Quadrant — directly comparable to TrustDecision's eKYC product line and target customer base of banks and fintechs.
- Featurespace: Adaptive behavioral analytics platform for fraud and financial crime prevention — directly competes in ML-driven risk decisioning for banks and payment processors.
- ThetaRay: AI-based transaction monitoring and AML screening platform for banks and fintechs with emerging-market penetration — directly comparable to TrustDecision's AML and cross-border risk capabilities.
Emerging players
- Veriff: AI-driven identity verification platform competing in the same Gartner Magic Quadrant — comparable eKYC product scope with strong growth in fintech verticals, though more focused on EU/US markets than emerging Asia.
Broad incumbents
- NICE Actimize: Established enterprise financial crime and compliance suite (AML, fraud, KYC) used by global Tier-1 banks — a broad incumbent whose overlapping capabilities compete with TrustDecision's fraud and AML platform, especially in enterprise RFPs.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
TrustDecision social profiles
Digital presenceTrustDecision financial estimates
Financial estimateRevenue estimate
Valuation estimate
TrustDecision leadership team
Management profileNumber of profiles
Profiles6 records
TrustDecision funding detail
Funding detailFunding overview
Funding rounds6 records
Investors14 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
TrustDecision M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about TrustDecision
What does TrustDecision do?
TrustDecision provides AI-powered risk intelligence software to financial institutions, combining machine learning, advanced analytics, and privacy-preserving computation for fraud prevention, credit risk decisioning, identity verification, and anti-money laundering. Core product lines include Agentic AI capabilities with domain-specific investigation and rule-mining agents, an eKYC identity verification platform, an AML/fraud risk management platform, AI credit scoring (小盾智信分), a high-performance distributed KV database (ApexDB), and decision-intelligence / shared-intelligence platforms. The solutions are sold on an enterprise subscription basis to banks, fintechs, digital banks, and consumer finance lenders across Southeast Asia, Latin America, the Middle East, and Greater China.
Is TrustDecision a public or private company?
TrustDecision is a private company. It is classified as venture growth investor backed and is currently operating.
When was TrustDecision founded?
TrustDecision was founded in 2013. It employs 1,001 to 5,000 people.
Where is TrustDecision based?
TrustDecision is headquartered in Shenzhen, China, in the Asia region.
How does TrustDecision make money?
One revenue line is on record: enterprise SaaS Subscriptions.
Who are TrustDecision's main competitors?
Direct peers on record are Feedzai, DataVisor, Sift, Onfido, ComplyAdvantage, Jumio, Featurespace and ThetaRay. Veriff is listed as an emerging player. NICE Actimize is listed as a broad incumbent.
Does TrustDecision have an API?
No public API is recorded for TrustDecision.
What industry is TrustDecision in?
TrustDecision's product category is Financial Risk Management Software. Its primary akta.pro industry code is FSAPAJAF, Risk Scoring, Credit & Fraud Analytics (counterparty/wallet risk), with a secondary code of HDAEANAG, Responsible AI, Security & Privacy Platforms (Safety, Guardrails, PII). Its NAICS code is 522390 and its SIC code is 7320.