Baselayer

Baselayer is a web platform and enterprise API for financial institutions, fintechs, banks, marketplaces, and B2B platforms that verifies business identity (KYB), assesses risk, and detects fraud during onboarding and ongoing monitoring.

Key capabilities include:

• Real-time business verification (KYB) using signals from Secretary of State and IRS records, designed to identify and match U.S. businesses quickly using basic inputs like business name and address.
• AI-driven risk and fraud detection that combines identity, credit, and fraud checks, including patterns such as credit stacking, velocity spikes, synthetic fraud, and repeat fraud prevention.
• Risk Co.Pilot to automate labor-intensive reviews with instant, explainable decisions, helping reduce manual underwriting and compliance work.
• Monitoring and deeper diligence including portfolio monitoring with configurable alerts, plus tools for liens (searching and filing), lawsuits and bankruptcies, and web presence analysis.

Pricing: Unknown.

What makes it notable: it unifies KYB, credit, and fraud signals in a single decisioning workflow, supports instant verification at U.S. business scale (120M+ records referenced), and adds network-based intelligence through capabilities like an Identity Network and fraud intelligence consortium for spotting cross-platform patterns.