Your Fraud Detection Is Working.Your Balance Sheet Is Still Taking the Hit.

Identity fraud losses are a predictable, insurable risk. With Instnt, banks and credit unions transfer that loss to AM Best A-rated reinsurers — and stop absorbing it.

Get Your Free Fraud Loss Assessment

Backed by Munich Re & Swiss Re · AM Best A-Rated · Featured in Forbes, Bloomberg, Inc.

The Problem

The Problem Every Bank CFO Knows

You’ve invested in fraud detection — and fraud still gets through.

No detection system catches 100% of identity fraud. The residual loss lands on your P&L, every quarter, without fail.

Fraud exposure scales with your balance sheet.

As you grow loans, accounts, and digital onboarding volume, uninsured fraud exposure grows with it. There’s no natural hedge.

Your board is asking about fraud losses.

Regulators scrutinize them. Auditors flag them. Capital adequacy frameworks don’t reward institutions that carry unhedged fraud risk quietly.

The Solution

How Fraud Loss Insurance Works

Underwrite Your Risk

Our AI underwriting model analyzes your fraud rates, transaction volume, customer segments, and existing controls. You get a coverage recommendation and indicative premium in days, not months.

Transfer the Risk

Your policy is issued, backed by Munich Re and Swiss Re. When identity fraud losses occur and are verified, you submit a claim. The loss transfers. Your capital doesn’t.

Recover and Move Forward

Verified claims are reimbursed up to your policy limit. Your existing fraud detection stack stays in place. Instnt covers what slips through. Model your potential savings →

Why Instnt

Purpose-Built for Identity Fraud

Traditional financial institution bonds and cyber liability policies weren’t designed for the high-volume, distributed nature of digital identity fraud. Instnt’s P&C product is.

Your Fraud Stack Stays. This Sits on Top.

Instnt complements — not replaces — Socure, Alloy, Sardine, and any other detection tools you run. Institutions with strong detection controls typically receive more favorable underwriting terms.

Institutional-Grade Backing

Munich Re. Swiss Re. AM Best A-rated. Your CFO, board, and auditors have the counterparty confidence they require.

As Seen In

Forbes Bloomberg Inc.

FAQ

Common Questions

We already have fraud detection tools. Why do we need this?

Detection reduces the frequency of losses. Insurance limits the severity of the ones that get through. They solve different problems — and together, they give you complete fraud risk coverage.

How is this different from a financial institution bond or cyber liability policy?

Those policies weren’t designed for identity fraud at the transaction level. Instnt’s product is purpose-built for the types of fraud banks and credit unions face in digital account opening and loan origination — and it’s structured to pay out efficiently when losses are verified.

What does underwriting look like for a bank?

We review 12 months of fraud write-off data, origination volume, and your existing fraud controls. The AI-driven process produces a coverage recommendation within days. No lengthy questionnaires. No months-long actuarial review.

Get Started

Find Out What Your Fraud Exposure Is Worth Insuring

Our team will analyze your fraud loss data and return a free assessment — what you’re currently absorbing, what it would cost to insure it, and whether the math makes sense for your institution. No commitment required.