Incognia Debuts Real-Time Scam Prevention Built on Patented Location Intelligence

Incognia launched Real-Time Scam Prevention on October 21, 2026, an AI-powered solution that helps financial institutions detect and prevent payment scams, including authorized-payment fraud and social-engineering schemes. The company announced the launch in a PR Newswire release.

How Incognia's Scam Detection Works

Incognia's Physical Social Graph, powered by patented Trusted Locations technology, uses persistent, apartment-level indoor location intelligence to reveal real-world connections between payment senders and recipients that conventional transaction data may miss. The technology establishes persistent location patterns based on where users regularly spend time, rather than relying on a snapshot of where a customer is when a transaction occurs. Real-time Scam Detection compares historical location patterns between the sender and recipient to build the Physical Social Graph that may indicate additional risk.

In an analysis of transactions from a major financial institution, Incognia found that its Physical Social Graph technology alone identified approximately 70% of scam transactions in the analyzed dataset. The company said the findings demonstrated how historical real-world relationships can provide evidence of scam risk even when conventional fraud signals appear legitimate. Incognia's AI model combines Physical Social Graph intelligence with mule-account detection, active-call detection, remote-access-tool detection, device integrity and location-spoofing detection to assess payment risk in real time. Banks use these assessments alongside their own data and policies to determine the appropriate action, and the solution connects payment activity and real-world relationships across participating financial institutions.

"Banks have gotten very good at determining whether the person making a payment is legitimate, but with a scam, the legitimate customer is often the one making the payment," said André Ferraz, co-founder and CEO of Incognia. "The question becomes - who are they sending money to, and does that relationship make sense? That is the context Incognia is bringing into scam detection."

"Two people can live in the same building and have no real-world relationship, while two people living in completely different cities may know each other well," said Alan Gomes, CTO of Incognia. "That's why distance alone isn't enough. Our apartment-level indoor location intelligence identifies patterns and connections over time, giving banks context that IP addresses or GPS coordinates alone cannot provide."

Incognia's Funding and Platform Growth

According to akta.pro company records, Incognia has raised $46.5 million in total across five funding rounds, including a $31 million Series B led by Bessemer Venture Partners announced in January 2024 and a $15.5 million Series A led by Point72 Ventures in June 2022. The same records show the company tripled year-over-year revenue and achieved profitability in the 2025-2026 period while growing headcount by less than 20%, and reported 170% net revenue retention.

Earlier Incognia Launches and Fraud Findings

Incognia launched AI Agent Detection for financial institutions in October 2026, which helps identify agentic activity and assess risk behind AI-initiated actions, according to PR Newswire. In September 2026, The Paypers reported that Incognia data showed 81% of financial institutions had seen a rise in mule account handover fraud, with 64% suspecting or confirming cross-border handovers. Incognia published its first Location Spoofing Mobile App study of dating apps in August 2026, testing 24 leading apps, according to Dark Reading, which found 37% of apps requesting location were easily GPS spoofed.