Silverguard
Silverguard is a Brazilian B2C2B fraud intelligence fintech operating the free SOS Golpe victim platform (300,000+ users, R$35M+ recovered) and selling Scam Checker and MED-as-a-Service SaaS to financial institutions for scam detection, mule account screening, and BCB 589/2025 MED compliance.
- Company typePrivate
- Founded2023
- HeadquartersSão José Dos Campos, Brazil
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Silverguard does
Silverguard Tecnologia LTDA is a Brazilian fraud-intelligence fintech founded in 2023 and headquartered in São José dos Campos, operating a B2C2B model that connects consumer scam victims with financial institutions through a proprietary anti-fraud ecosystem. At the consumer layer, the free SOS Golpe platform (delivered via WhatsApp, web portal, and mobile app) has assisted over 300,000 victims and helped recover more than R$35 million in fraudulent transfers, generating the organic scam-report dataset that powers the company's B2B products. At the institutional layer, Silverguard sells Scam Checker (an AI multi-signal fraud-risk scoring API and dashboard covering CPF, CNPJ, phone, email, and website signals across onboarding, transactional monitoring, offboarding, and pre-transactional moments), MED-as-a-Service (a modular compliance workflow for BCB Regulation 589/2025's Pix Special Refund Mechanism, mandatory from October 2025), and SOS Golpe Premium (an institutional dashboard with 28-day WhatsApp follow-up, PDF dossiers, webhook integrations, and advanced analytics for Guardian bank partners).
The technology stack combines real-time ingestion of victim reports from SOS Golpe, a judicial-data intelligence engine that maps 5,534+ legal topics across hundreds of Brazilian courts, and cross-validation against 12+ regulatory trusted lists (ANATEL, ANS, ANVISA, BACEN, CVM, SPA/Bets, SUSEP, PIX, PREVIC, and curated government CNPJ/gateway/betting lists). The Scam Checker model outputs an explainable 0-100 risk score across five tiers (Neutral to Very High) and is recalibrated on a 90-day cycle against confirmed fraud signals. MED-as-a-Service layers a voice-reporting channel, automated police-report (B.O.) routing to the receiving payment service provider, and an autonomous AI agent with a 120+ fraud-tactic taxonomy that auto-cancels improper MED claims. The platform also exposes an MCP (Model Context Protocol) endpoint for integration with LLM-based workflows.
Silverguard's revenue model is SaaS-led with a freemium top-of-funnel. Free SOS Golpe serves as a brand and data-generation channel; paid tiers include Scam Checker subscriptions (free trial of 5 queries, pre-paid premium plans, and custom multi-year enterprise contracts), SOS Golpe Premium for Guardian financial institutions, and MED-as-a-Service monthly subscriptions with auto-included regulatory updates. Go-to-market combines enterprise field sales (targeting compliance officers, fraud prevention teams, and CX leaders at financial institutions), API-first distribution, and community-led growth via the Guardian partner network (Neon, Cora, Caixa, Nubank, Inter, Picpay, Infinitepay, Dock, Recargapay). The company has raised US$1.5 million in pre-seed funding from Astella and Latitud (May 2023) and reports 11-50 employees, with recognition including the BID Finanzas Plateadas Prize (2024), GASA membership, UN AI Trust & Safety program participation, and a Design for a Better World award.
Silverguard firmographics
Firmographics- Name
- Silverguard
- Legal name
- Silverguard Tecnologia LTDA
- Website
- https://silverguard.com.br
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Silverguard is a Brazilian B2C2B fraud intelligence fintech operating the free SOS Golpe victim platform (300,000+ users, R$35M+ recovered) and selling Scam Checker and MED-as-a-Service SaaS to financial institutions for scam detection, mule account screening, and BCB 589/2025 MED compliance.
- Ownership category
- akta.pro rank
Silverguard industry classification
Industry- Product category
- Fraud Detection Software
- NAICS
- Investigation and Security Services (5616)
- SIC
- Services-Detective, Guard & Armored Car Services (7381)
- akta.pro primary industry
- Fraud Detection & Prevention (payments fraud, account takeover, scams) (FSAGAFAE)
Keywords
Where Silverguard is headquartered
LocationHeadquarters
- HQ city
- São José Dos Campos
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Silverguard business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations
Revenue model
- Scam Checker Subscriptions: SaaS subscription for fraud risk intelligence via API and dashboard. Offers free trial (5 queries), premium pre-paid plans, and custom enterprise contracts. Revenue generated from per-query credits and platform licensing to financial institutions, fintechs, crypto exchanges, and other regulated entities.
- SOS Golpe Premium Platform: Premium version of the SOS Golpe platform for financial institutions (Guardioes Premium) offering 28-day WhatsApp support, up to 10 user panel access, PDF dossier generation, webhook integrations, and advanced analytics. Sold via contract to financial institutions.
- MED-as-a-Service: Modular subscription service for Central Bank MED (Special Refund Mechanism) compliance. Includes voice self-service, police report automation, AI agent, and auto-fraud detection. Monthly subscription with automatic updates for regulatory changes. Implementation is mandatory for financial institutions starting October 2025 per BCB 589/2025.
- Fraud Data Licensing: Licensing of fraud intelligence databases derived from the SOS Golpe ecosystem to anti-fraud solution providers and financial institutions for integration into their own fraud prevention systems.
- SOS Golpe Free (Freemium): Free platform serving 300,000+ scam victims. Generates institutional adoption and brand awareness that converts to paid platform subscriptions. Also generates aggregated fraud intelligence data.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Scam Checker Free Trial |
| Subscription | Pay-as-you-go | Scam Checker Premium (Pre-paid) |
| Subscription | Multi-year contract | Scam Checker Enterprise |
| Freemium | Monthly | SOS Golpe Free Platform |
| Subscription | Multi-year contract | SOS Golpe Premium |
| Subscription | Monthly | MED-as-a-Service |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels10 records
Silverguard product offering
Product offeringCore offering
Silverguard is a Brazilian fraud-intelligence fintech that operates an AI-powered multi-signal fraud risk-scoring platform (Scam Checker) validating CPF/CNPJ, phone, email, and websites in real time across the customer lifecycle. It pairs this enterprise SaaS with the free SOS Golpe consumer victim-support platform and a modular MED-as-a-Service solution for Brazil's Central Bank Pix refund mechanism compliance (BCB 589/2025).
Product overview
Silverguard is a Brazilian fraud-intelligence platform organized as an ecosystem of integrated products. At its core is the free SOS Golpe platform (WhatsApp, web portal, and mobile app) — the first social anti-fraud network in Brazil, enabling victims to register complaints and recover funds — which feeds the proprietary complaint database powering the Scam Checker AI engine. Scam Checker is the primary B2B product: a real-time multi-signal fraud-risk scoring API/Dashboard for CPF, CNPJ, phone, email, and website validation across the entire customer lifecycle (onboarding, monitoring, offboarding, and pre-transactional). MED-as-a-Service extends Scam Checker with an AI-powered automated self-service workflow for Brazil's Central Bank Pix Refund Mechanism (MED, BCB 589/2025), including voice reporting and auto-cancellation of improper claims. The Central de Denúncia serves as the branded complaint portal for partner financial institutions (Guardiões), with Premium-tier access to dashboards, webhook integrations, and PDF dossier generation. Silverguard also runs the Guardião Prateado initiative for senior fraud protection and publishes regular fraud research studies.
Differentiator
Problem solved
Functional benefit
Brands
- SOS Golpe: Free complaint platform for fraud victims in Brazil, the first social anti-fraud initiative in the country. Helps victims report scams and facilitates communication with financial institutions.
- Scam Checker
- MED-as-a-Service
- Movimento Guardião Prateado
- Fala Silva
Products and services
- SOS Golpe Platform Brazil's first social anti-fraud platform enabling scam victims to register complaints via WhatsApp (11 4000-2254), web (central.sosgolpe.com.br), and mobile app; routes denunciations to financial institution guardians and provides 10-day WhatsApp follow-up support. Free for end users.
- Scam Checker Real-time multi-signal AI fraud-risk scoring API and Dashboard for KYC/transactional/offboarding validation. Evaluates 30+ risk signals including judicial data, DICT registry, and 12+ regulatory trusted lists to detect mule accounts, scams, and auto-fraud with explainable 0-100 risk scores.
- MED-as-a-Service Modular subscription solution for Brazil's Central Bank Pix Special Refund Mechanism (MED, BCB 589/2025). Includes voice-reporting, automated B.O. submission to receiving PSP, and AI agent with 120+ fraud tactics taxonomy that detects auto-fraud and commercial disputes in real time, auto-cancelling improper MEDs and reducing MED handling costs by up to 50%.
Quantifiable outcome
- R$35 million+ recovered for scam victims through SOS Golpe ecosystem
- +7 more outcomes
Companies that use Silverguard
Customer profileNamed customers9 records
Segments7 records
Ideal customer profiles3 records
Silverguard technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability9 records
Feature6 records
Silverguard partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered minor and core.
- Bronstein ZilberbergminorLaw firm that advised Silverguard on the pre-seed investment transaction.
- NeonminorBrazilian digital bank serving as a 'Guardian' partner in the SOS Golpe ecosystem, receiving scam reports from victims and contributing to collaborative fraud intelligence sharing.
- CoraminorBrazilian fintech serving as a 'Guardian' partner in the SOS Golpe ecosystem, receiving scam reports from victims and contributing to collaborative fraud intelligence sharing.
- NubankminorBrazilian digital bank serving as a 'Guardian' partner in the SOS Golpe ecosystem, receiving scam reports from victims and contributing to collaborative fraud intelligence sharing.
- InterminorBrazilian digital bank serving as a 'Guardian' partner in the SOS Golpe ecosystem, receiving scam reports from victims.
- PicpayminorBrazilian digital wallet and payment institution serving as a 'Guardian' partner in the SOS Golpe ecosystem, receiving scam reports from victims.
- CaixaminorBrazilian state-owned bank serving as a 'Guardian' partner in the SOS Golpe ecosystem, receiving scam reports from victims.
- InfinitepayminorBrazilian payment institution serving as a 'Guardian' partner in the SOS Golpe ecosystem, receiving scam reports from victims.
- DockminorBrazilian banking technology company serving as a 'Guardian' partner in the SOS Golpe ecosystem, receiving scam reports from victims.
- RecargapayminorBrazilian digital payment platform serving as a 'Guardian' partner in the SOS Golpe ecosystem, receiving scam reports from victims.
- BID Lab (Banco Interamericano de Desenvolvimento)coreBID Lab (Inter-American Development Bank Lab) provides support for the Finanzas Plateadas program under which the Guardiao Prateado movement operates. Strategic partner supporting Silverguard's social impact initiatives for elderly fraud protection.
- Sparkassenstiftung Alemana (German Sparkassen Foundation)coreCreator of the Finanzas Plateadas program, partnered with Silverguard for the Guardiao Prateado movement targeting elderly fraud victims in Brazil.
- GASA (Global Anti-Scam Alliance)coreInternational alliance dedicated to combating scams globally. Silverguard is an active member, contributing to and benefiting from global fraud intelligence sharing.
- log.lawminorIndependent ethics channel operator that receives, analyzes, classifies, and forwards reports to Silverguard's Ethics Committee through the Fala Silva whistleblower platform.
Scale indicators10 records
Recent moves6 records
Expansion highlights6 records
Silverguard competitors and assessment
Company assessmentDirect peers
- IDwall: Brazilian identity verification and fraud prevention platform serving fintechs and banks with KYC, document validation, and onboarding risk scoring — directly comparable to Silverguard's Scam Checker offering for the same Brazilian B2B customer base.
- ClearSale: Brazilian fraud prevention specialist serving e-commerce and financial services with chargeback management and transaction fraud scoring — competes in the same Brazilian fraud-detection market with similar B2B SaaS delivery to enterprise customers.
- Quod: Brazilian credit bureau and fraud prevention bureau providing identity, anti-fraud, and credit intelligence to major Brazilian banks — comparable to Silverguard in serving tier-1 Brazilian financial institutions with risk-scoring data products.
Emerging players
- Truora: LatAm identity verification and background check API serving fintechs across Mexico, Colombia, and Brazil — comparable emerging player with overlapping onboarding fraud-detection capabilities and regional LatAm focus.
- BioCatch: Behavioral biometrics fraud detection platform serving global banks and fintechs — comparable as a specialized fraud-detection vendor with overlapping AI-driven risk-scoring capabilities for the financial services customer base.
- ComplyAdvantage: AI-driven AML and KYC RegTech platform serving financial institutions and fintechs — comparable as an emerging player in adjacent fraud/compliance technology with overlapping B2B financial services customer segments.
Broad incumbents
- Sift: Global digital trust and fraud detection platform serving fintechs, marketplaces, and financial institutions — comparable as a broad incumbent fraud-scoring competitor with overlapping risk-scoring capabilities but operating at a global rather than Brazil-specific scale.
- Feedzai: AI-native financial crime and fraud detection platform serving global tier-1 banks and PSPs — comparable broad incumbent with overlapping transaction fraud scoring and AML capabilities, though positioned at a much larger global scale than Silverguard's Brazilian focus.
- Mastercard Identity (Ekata/ThreatMetrix): Mastercard-owned digital identity and fraud prevention suite serving global banks and PSPs — comparable broad incumbent with overlapping identity-verification and transaction-risk-scoring products competing for the same financial institution customers.
Regional players
- CAF (Datasea) / Konduto: Brazilian anti-fraud platform specializing in e-commerce and digital transaction fraud scoring (acquired by ClearSale) — comparable regional player with overlapping Brazilian fintech fraud-detection capabilities.
Market position
Strengths5 records
Weaknesses2 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
Silverguard social profiles
Digital presenceSilverguard financial estimates
Financial estimateRevenue estimate
Valuation estimate
Silverguard leadership team
Management profileNumber of profiles
Silverguard funding detail
Funding detailFunding overview
Funding rounds2 records
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Silverguard 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 Silverguard
What does Silverguard do?
Silverguard is a Brazilian fraud-intelligence fintech that operates an AI-powered multi-signal fraud risk-scoring platform (Scam Checker) validating CPF/CNPJ, phone, email, and websites in real time across the customer lifecycle. It pairs this enterprise SaaS with the free SOS Golpe consumer victim-support platform and a modular MED-as-a-Service solution for Brazil's Central Bank Pix refund mechanism compliance (BCB 589/2025).
Is Silverguard a public or private company?
Silverguard is a private company. It is classified as venture growth investor backed and is currently operating.
When was Silverguard founded?
Silverguard was founded in 2023. It employs 11 to 50 people.
Where is Silverguard based?
Silverguard is headquartered in São José Dos Campos, Brazil, in the Latin America region.
How does Silverguard make money?
Five revenue lines are on record. Scam Checker Subscriptions are the primary driver. The others are SOS Golpe Premium Platform, MED-as-a-Service, fraud Data Licensing and SOS Golpe Free (Freemium).
Who are Silverguard's main competitors?
Direct peers on record are IDwall, ClearSale and Quod. Emerging players are Truora, BioCatch and ComplyAdvantage. Broad incumbents are Sift, Feedzai and Mastercard Identity (Ekata/ThreatMetrix). CAF (Datasea) / Konduto is listed as a regional player.
Does Silverguard have an API?
Yes. Silverguard exposes APIs for both the SOS Golpe platform (denunciation management, webhook alerts for email/push, MED contestations) and the Scam Checker platform (fraud-risk scoring queries for CPF/CNPJ/telefone/email/website). API access is token-based; Guardiões Premium and Scam Checker paid-plan users receive personal, non-transferable tokens. The company may limit API call volumes based on usage and contracted plan. For Scam Checker API integrations, users must follow official technical specifications; deviations may result in access suspension. Webhooks for email or push alerts are also part of the API surface. Scam Checker also offers an MCP (Model Context Protocol) integration for its scoring rational via API or Dashboard.
What industry is Silverguard in?
Silverguard's product category is Fraud Detection Software. Its primary akta.pro industry code is FSAGAFAE, Fraud Detection & Prevention (payments fraud, account takeover, scams). Its NAICS code is 5616 and its SIC code is 7381.