Fraud loss insurance for fintechs and neobanks
High-velocity onboarding is your growth engine and your fraud surface. Instnt insures the fraud that beats detection so you can approve more good customers without absorbing the losers.
Where fraud loss lands today
Growth multiplies fraud exposure
Every new-account cohort brings synthetic identities and account-takeover attempts that detection scores can only partly catch.
False declines cost real revenue
Tightening thresholds to stop fraud rejects good applicants — the false-decline tax on growth.
Losses hit the unit economics
Fraud write-offs erode contribution margin and spook investors reviewing your risk model.
Insure the fraud that beats detection
Instnt installs like an analytics tag inside your onboarding flow — no rip-and-replace of Socure, Alloy, Sardine, Sift, Unit21, or whatever you run today. It underwrites the residual fraud-loss risk your stack can’t eliminate.
Because approvals now carry insured coverage, you can loosen overly-tight thresholds and approve more good customers, knowing the fraud that gets through is reimbursed within 30 days — backed by S&P AA+ rated global insurers.
What you get
- Insure synthetic identity, ATO, and first-party fraud loss
- Reduce false declines and recover good-customer revenue
- Drop-in agent — keep your existing detection stack
- Predictable premium protects unit economics
Backed by S&P AA+ rated global insurers, including Munich Re and Swiss Re. Contingent on underwriting and approval.
Insure identity fraud loss for your fintechs & neobanks
Get a tailored fraud-loss exposure analysis for your institution.