Built by fraud and payments engineers for the platforms that need it most

Before founding Riskgrove, Rachel spent six years building fraud systems at payment companies. The same problem kept appearing: platforms were good at writing rules (velocity limits, BIN blocks, geographic filters), but none of those rules were fast enough to run inside the authorization window, and none of them could see across entities the way modern attacks require.

Card testing attacks don't look dangerous on a per-card basis. Account takeover attempts pass MFA. Payment fraud patterns live in the relationship between a card, a device, a merchant, and a time window, not in any single field that a static rule can check. The fraud team always found the pattern in the data, after the damage was done.

Riskgrove is the system we kept wanting to have access to. A stateless scoring layer that runs before authorization, evaluates the cross-entity signals that rule-based systems miss, and returns a decision in under 40ms. One API call, one risk score, no rule configuration required.

We started with a small group of digital payment platforms that were willing to let us run alongside their existing stack. The results were consistent enough that we made the API available publicly in late 2025.