You Scaled Onboarding.Now Fraud Is Scaling With You.
Every new cohort adds fraud exposure. Instnt transfers that risk to AM Best A-rated reinsurers — turning a volatile P&L line into a predictable cost of growth.
Get Your Free Fraud Loss AssessmentThe Unit Economics Problem Nobody Wants to Talk About
A fintech at 100K MAUs has a manageable fraud problem. At 1M MAUs, that same fraud rate is a different conversation — and your investors are having it.
Sardine, Sift, Unit21 — they’re excellent. They still leave a residual loss that lands on your P&L every month.
So does Series C. And every board meeting after that. Uninsured fraud exposure is a unit economics risk that compounds with scale.
How It Works
Underwrite Fast
AI-driven underwriting reviews your fraud rates, cohort data, and origination volume. Coverage recommendation in days. Built for the speed fintech operates at.
Transfer the Residual
Your fraud detection stack catches what it catches. The rest — the verified losses that slip through — transfer to Munich Re and Swiss Re under your policy. Not to your P&L.
Scale Without the Compounding Risk
New customer cohorts, new geographies, new product lines — expand your addressable market without proportionally expanding your fraud loss exposure. Model your savings →
Why Instnt
Built for Growth-Stage Math
Fraud loss insurance converts volatile, unpredictable fraud write-offs into a predictable cost of revenue. That’s a unit economics story your board and investors can model.
Works With Your Existing Stack
If you’re already running Sardine, Sift, or Unit21, Instnt sits on top. We’re not asking you to rip and replace. We cover what your detection stack doesn’t.
Institutional Backing That Satisfies Due Diligence
Munich Re. Swiss Re. AM Best A-rated. When your next funding round or banking partner asks about fraud risk management, this is the answer.
As Seen In
Common Questions
Yes — and they’ll probably tell you the same thing. Those tools reduce fraud detection rates. They don’t reimburse losses. Instnt covers the residual that even excellent detection tools don’t catch.
The economics are most clear above $500K in annual fraud losses, but early-stage fintechs scaling rapidly can benefit from coverage even at lower absolute levels — because it protects the unit economics volatility that can impair your CAC/LTV math at a critical stage.
Instnt is designed to connect with existing identity verification workflows. Integration scope depends on your current stack. Most of the work is in underwriting, not engineering.
See What Your Fraud Exposure Is Actually Costing You
We’ll analyze your fraud loss data and show you what you’re absorbing, what it would cost to insure it, and whether the unit economics work for your stage and growth trajectory. Free. No commitment.
Assessment Request Received
Amy Penn will be in touch within 1 business day with your personalized fraud loss assessment.
