What Oneytrust does

Oneytrust is a French B2B software provider specializing in AI-powered identity verification and fraud prevention for Europe's largest retailers, banks, neobanks, fintechs, and digital services companies. The company traces its origins to FIA-Net (founded 2000), was acquired by Crédit Agricole in 2008, integrated with Oney in 2016, and rebranded as Oneytrust in 2018. It operates as a wholly-owned subsidiary of BPCE Group, the second-largest banking group in France, and is headquartered in Croix (Lille Métropole) with 251-500 employees.

The platform is built around two core products — D-Risk Commerce (transaction-level fraud prevention) and D-Risk ID (digital identity verification) — augmented by solution modules for BNPL fraud, returns and refund abuse, payment fraud, and corporate KYB (D-Risk ID Corporate). Underlying technology combines proprietary algorithms, machine learning models, behavioral analysis, device fingerprinting, and graph network analysis applied to a consortium database of French consumers and 15M+ verified European identities, enabling real-time risk scoring under two seconds and detection of synthetic identities and organized fraud rings across merchants.

Oneytrust generates revenue through subscription-based B2B enterprise contracts, with pricing customized per client based on transaction volume, identities verified, and use case. Distribution is direct enterprise field sales complemented by API integration into client onboarding and checkout workflows. The company markets in six European languages and reports outcomes such as a 45% reduction in chargebacks within three months of deployment and a fraud rate under 0.08% in France. No external funding rounds are disclosed, and the company is privately held by BPCE Group with €250,000 in share capital.

Name

Oneytrust

Legal name

Oneytrust S.A.S.

Website

https://oneytrust.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

251–500 employees

Short description

Oneytrust is a French B2B SaaS provider of AI-powered identity verification and fraud prevention, serving Europe's leading retailers, banks, and fintechs. The company is a wholly-owned subsidiary of BPCE Group and operates two core platforms — D-Risk Commerce and D-Risk ID — backed by a consortium database of 15M+ verified European identities.

Ownership category

akta.pro rank

Product category

Fraud Prevention Software

NAICS

Investigation and Personal Background Check Services (561611)

SIC

Services-Computer Programming Services (7371)

akta.pro primary industry

Fraud Detection & Prevention (payments fraud, account takeover, scams) (FSAGAFAE)

akta.pro secondary industries

Identity Verification & Digital ID (IDV, eIDAS, biometrics) (FSAGAFAA), Fraud Detection & Transaction Monitoring (FSAMALAA), Risk, Fraud & 3DS Orchestration for Payments (FSAGABAL)

Keywords

• Fraud prevention software
• Identity verification
• Payment fraud detection
• Synthetic identity detection
• Corporate identity verification

Headquarters

HQ city

La Croix-en-brie

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. B2B SaaS Fraud Prevention Services: Subscription-based B2B services providing identity verification and fraud prevention to enterprise clients including retailers, banks, fintechs, and neobanks. Revenue derived from per-transaction or volume-based pricing combined with platform access fees. Services include D-Risk Commerce, D-Risk ID, and D-Risk ID Corporate solutions.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Oneytrust provides an AI-powered identity-first fraud prevention platform that combines proprietary algorithms, machine learning, graph network analysis, and behavioral analysis for real-time risk scoring. Its two core products — D-Risk Commerce (transaction-level fraud prevention) and D-Risk ID (digital identity verification and synthetic ID detection) — are delivered to enterprise clients via API integration and supplemented by specialized modules for BNPL fraud, returns/refund fraud, payment fraud, and KYB corporate verification.

Product overview

Oneytrust offers a unified identity-first fraud prevention platform consisting of two core products (D-Risk Commerce and D-Risk ID) complemented by specialized solution modules. The platform combines real-time signals, network intelligence, and human expertise to deliver comprehensive fraud prevention across the customer journey. D-Risk Commerce focuses on transaction-level fraud prevention while D-Risk ID provides identity verification and synthetic identity detection. Additional modules address specific use cases including BNPL fraud, returns fraud, payment fraud, and corporate KYB verification. The platform serves high-volume e-commerce, luxury retail, banking, neobanks/fintechs, leasing/credit, insurance, and digital services industries across Europe.

Differentiator

Problem solved

Functional benefit

Brands

• D-Risk Commerce: Fraud prevention solution for e-commerce businesses
• D-Risk ID

Products and services

• D-Risk Commerce Fraud Prevention Enterprise-ready fraud prevention solution for larger retailers operating at scale, combining identity verification with transaction analysis to prevent card fraud, account takeovers, returns abuse, and organized fraud network activity. Delivers real-time risk scoring under 2 seconds and supports adaptive risk thresholds for manual review escalation.
• D-Risk ID Digital Identity Verification Digital identity verification product that stops synthetic identity fraud through multi-layered validation including identity element analysis, synthetic identity detection, device fingerprinting, network signals, behavioral analysis, and a real-time D-Risk ID Trust Score. Backed by a database of 15M+ verified identities in France and the EU.
• Payment Fraud & Frictionless Commerce Real-time payment fraud detection solution that uses combined scoring of device, identity, and behavioral data to stop payment fraud at checkout while preserving a seamless customer experience. Combines advanced machine learning models with human expertise for ongoing tuning.
• BNPL Fraud Prevention Buy Now Pay Later fraud prevention solution that identifies suspicious behaviors, detects synthetic identities, and reduces non-payment for BNPL providers without adding friction for legitimate customers. Targets an estimated 6% potential fraud/default rate on BNPL-approved transactions.
• Returns & Refund Fraud Returns and refund fraud detection solution that detects refund abuse, wardrobing, and false claims by analyzing document metadata, behavioral and contextual inconsistencies (frequency of returns, unusual histories, multiple addresses or devices), without adding friction for honest buyers.
• D-Risk ID Corporate (KYB) Corporate identity verification (KYB) solution that verifies the relationship between company, representative, and digital footprint to detect fake companies, impersonated representatives, and hidden digital risks. Combines company verification, representative identity verification, digital signal analysis, and consistency checks with sub-2-second real-time risk scoring.

Quantifiable outcome

• 45% fewer chargebacks in under 3 months
• +3 more outcomes

Named customers5 records

Segments7 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability15 records

Feature8 records

Partnerships

One partnership is on record.

• BPCE GroupcoreOthersOneytrust is a subsidiary of BPCE Group, the second-largest banking group in France. The company is implementing a multi-year accessibility plan for 2025-2027 common to all BPCE entities. BPCE Group provides strategic backing and integration within the French banking ecosystem.

Scale indicators7 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• Signifyd: Signifyd provides AI-powered fraud detection and chargeback protection for e-commerce merchants, with identity verification and transaction scoring — a direct competitor to Oneytrust's D-Risk Commerce offering for enterprise retailers.
• Sift: Sift provides a digital trust and safety platform combining identity verification, payment fraud, and ATO protection via ML — comparable in scope to Oneytrust's unified identity-first platform and serves similar enterprise e-commerce and fintech segments.
• Sumsub: Sumsub offers an all-in-one identity verification, KYC/KYB, and anti-fraud platform with strong European and global coverage — directly comparable to Oneytrust's D-Risk ID and D-Risk ID Corporate products.
• Riskified: Riskified offers an AI fraud and risk management platform for e-commerce, with chargeback guarantee models and identity intelligence — closely overlapping Oneytrust's merchant fraud prevention use cases across retail and luxury.
• Forter: Forter delivers real-time identity-based fraud prevention and chargeback decisions for retailers and digital goods merchants — a direct functional peer to Oneytrust's real-time scoring under 2 seconds at checkout.
• Onfido (Entrust): Onfido provides AI-based digital identity verification with document and biometric checks, serving banks and fintechs across Europe — a direct peer in identity verification, now under Entrust.
• Ravelin: Ravelin provides fraud detection and identity verification tailored to online merchants and payment processors, with machine learning and graph analytics — comparable in scale and use case focus to Oneytrust's enterprise retail solutions.
• Feedzai: Feedzai provides an AI-native risk operations platform for fraud and AML across banking and payments — closely comparable to Oneytrust's banking and fintech fraud use cases, with similar real-time scoring architecture.

Emerging players

• Veriff: Veriff offers identity verification with document and biometric authentication, serving fintech, mobility, and crypto sectors — comparable to Oneytrust's digital ID module though with stronger emerging-market focus.

Broad incumbents

• Kount (Equifax): Kount, an Equifax company, provides digital fraud prevention and identity trust with global data network — a broader incumbent competitor using consortium data, similar in approach to Oneytrust's French consumer database.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@oneytrust
• LinkedInlinkedin.com/company/oneytrust
• Xx.com/oneytrust

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Oneytrust