What Fraudfinder does

Fraudfinder Ltd (also operating as Homeppl) is a London-based, venture-backed AI company founded in 2017 that provides document fraud detection, financial data extraction, and affordability assessment to banks, lenders, fintechs, real estate operators, and HR/insurance buyers. The core product, Fraud Finder, runs submitted PDFs, scans, and images through 300+ risk indicators combining document forensics, metadata analysis, image and font analysis, and behavioral signals to flag manipulation, AI-generated forgeries, template farm documents, and synthetic identities, returning structured JSON output and a fraud risk verdict in roughly 4.2 seconds per file. Complementary products include Homeppl Qualify (underwriting and affordability), an AML/KYC/Source of Funds & Wealth compliance module, a white-label embedded API for partners, and Homeppl Guarantid, a B2C rent guarantor service charging 5.8% of annual rent.

The company operates a hybrid go-to-market: enterprise field sales targeting risk and compliance decision-makers in banking, lending, fintech, and real estate, augmented by an API-first distribution model and a self-serve web portal. White-label/OEM partnerships allow platforms to embed the technology under their own brand, with marketing channels spanning content (industry fraud reports, blog), SEO, events, and PR across financial media. Revenue is generated through usage-based API pricing, enterprise subscriptions, white-label licensing, and Guarantid transaction fees. The company is backed by TechStars, Fair by Design, and Ascension Ventures, holds ISO 27001-aligned security controls, and was named to the Everest Group Leading 50 Financial Crime and Compliance Technology Providers in 2025.

Financial scale signals include approval of over £1 billion for clients, 100,000+ validated people from 80+ countries, and 208-country reach for the guarantor service, but specific revenue, headcount, and funding amounts are not disclosed.

Name

Fraudfinder

Legal name

Fraudfinder Ltd

Website

https://fraudfinderai.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

Fraudfinder (also known as Homeppl) is a London-based AI company founded in 2017 that provides document fraud detection, financial data extraction, and AML/compliance checks to banks, lenders, fintechs, real estate operators, and HR/insurance buyers, with a parallel B2C rent guarantor service.

Ownership category

akta.pro rank

Product category

Document Fraud Detection Software

NAICS

Credit Bureaus (56145), Investigation and Personal Background Check Services (561611)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Fraud Detection & Transaction Monitoring (FSAMALAA)

akta.pro secondary industries

Identity Verification (IDV) & Document Verification (FSAMALAE), Risk Scoring, Fraud & Anomaly Detection (HDAAAHAD), Verification & Risk Signals (Device Fingerprinting, Behavioral Biometrics) (HDADALAJ)

Keywords

• Document fraud detection
• Bank statement verification
• AI fraud prevention
• Financial document analysis
• Tenant referencing

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Document Fraud Detection API: API-based document fraud analysis and verification services. Clients integrate via RESTful API to access fraud detection capabilities.
2. Web Portal/Platform: Web-based portal for document fraud analysis where clients can drag and drop files for analysis.
3. White-label/OEM Licensing: Partners can embed Fraudfinder technology under their own brand. Generates revenue through licensing arrangements with platforms and risk solution providers.
4. Homeppl Guarantid: Guarantor service for rental properties, charging 5.8% of annual rent as fee.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Fraudfinder operates an AI-powered document fraud detection platform that assesses submitted files (PDFs, scans, images) against 300+ risk indicators to identify forged documents, manipulated bank statements, altered payslips, and synthetic identities. The platform combines document forensics, data extraction into JSON format, behavioral analysis, and AML/compliance checks, sold primarily via RESTful API integration, a self-service web portal, and white-label OEM deployments to lenders, banks, fintechs, and real estate firms.

Product overview

Fraudfinder (also known as Homeppl) offers a multi-product AI-powered risk and fraud prevention platform consisting of: (1) Fraud Finder - the core document fraud detection product analyzing documents against 300+ risk indicators; (2) Homeppl Qualify - financial data extraction and affordability assessment from bank statements; (3) AML/KYC/R2R - compliance and Source of Funds/Wealth checking module; (4) White Label API - embedded integration product for partners; and (5) Homeppl Guarantid - a rent guarantor service. The platform combines document forensics, data extraction, external validation, and behavioral analysis to detect fraud across lending, property, banking, fintech, HR, and real estate sectors.

Differentiator

Problem solved

Functional benefit

Brands

• Fraud Finder: AI-powered document fraud detection, bank statement verification and application fraud prevention product used by lenders, landlords and banks to catch forged PDFs, altered payslips and synthetic identities.
• Homeppl Qualify
• Homeppl Guarantid

Products and services

• Fraud Finder AI-powered document fraud detection software that spots fakes in approximately 3-4.2 seconds per file. Detects forged PDFs, altered payslips, bank statement manipulation, template farm documents, and synthetic identities at scale using 300+ risk indicators. Used by lenders, banks, landlords, and fintechs.
• Homeppl Qualify (Underwriting & Affordability) Financial data extraction and affordability assessment product that extracts personal, account, and financial information from bank statements, payslips, and tax documents, transforming them into structured JSON data and actionable affordability insights for underwriting decisions.
• AML/KYC/R2R (Source of Funds & Wealth Checks) AI document analysis module for Source of Funds and Source of Wealth checks, uncovering fake or hidden transactions and analyzing income sources. Includes AML and KYC compliance capabilities, name/address/transaction manipulation checks, bank balance reconciliation, and consistency checks.
• White Label / Embedded Solutions API White-label AI document fraud analysis and data extraction API that partners can integrate under their own brand with custom logo, colours, and user access. Supports RESTful API integration with customisable outputs for fraud signals and data extraction, enabling launch in under 2 weeks.
• Homeppl Guarantid Commercial rent guarantor service for tenants, particularly students and international consumers who cannot provide traditional UK guarantors. Charges 5.8% of annual rent (equivalent to one month share of rent) and allows up to two instalments.

Quantifiable outcome

• 4.2 seconds per file processing time for document fraud analysis
• +7 more outcomes

Named customers11 records

Segments7 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability7 records

Feature12 records

Scale indicators11 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Quantexa: Quantexa is a decision intelligence platform for AML, KYC, and financial crime detection across banking and financial services. Comparable as a recognized Everest Group peer addressing overlapping fraud, AML, and customer due diligence problems for enterprise banking clients.
• Socure: Socure delivers AI-based identity verification, fraud detection, and KYC compliance for financial institutions. Comparable to Fraudfinder on predictive document and identity risk scoring inside lending and fintech onboarding workflows.
• Sumsub: Sumsub is a full-suite identity verification, KYC/AML, and fraud prevention vendor serving financial services, real estate, and crypto. Comparable to Fraudfinder via its document forensics, KYC orchestration, and AML risk checks across overlapping verticals.
• Mitek Systems: Mitek provides mobile deposit, identity verification, and document fraud detection used by tier-one banks and lenders. Comparable as a publicly-traded incumbent offering document liveness, OCR, and forgery detection overlapping Fraudfinder's core product.
• Onfido (Entrust): Onfido, now part of Entrust, is a global identity verification platform serving banks, fintechs, and rental platforms. It is comparable through its document verification and biometric IDV stack that competes with Fraudfinder's document-centric fraud detection for the same enterprise buyer.
• Equifax: Equifax operates one of the largest credit bureaus and identity/fraud verification businesses globally. Comparable to Fraudfinder through consumer and small business credit file aggregation, affordability checks, and fraud-prevention services used by UK/US lenders and landlords.

Direct peers

• Persona: Persona is an identity infrastructure platform offering document verification, KYC, and fraud signals configurable per vertical. Comparable to Fraudfinder through flexible document and identity verification APIs targeting fintech and rental use cases.
• Veriff: Veriff offers AI-driven identity verification and document fraud detection for fintech, banking, and mobility sectors. It overlaps with Fraudfinder on document authenticity checks and AML/KYC risk signals within similar buyer personas.
• Resistant AI: Resistant AI provides AI-powered document fraud detection and synthetic identity prevention for financial services. It is the closest direct competitor to Fraudfinder, with overlapping coverage of bank statement forensics, document manipulation detection, and onboarding fraud.

Regional players

• Housing Hand: Housing Hand is a UK rent guarantor service for students and international tenants. Comparable to Fraudfinder's Homeppl Guarantid sub-brand in the same UK student/tenant guarantor market with overlapping price positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds1 record

Investors1 record

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 Fraudfinder