Oscilar

Oscilar

Real-time fraud detection with no-code engine

Overview

Oscilar operates in financial technology, offering a real-time fraud detection and risk management platform. It provides a no-code smart decision engine that combines machine learning and heuristic methods, enabling users to create and manage fraud rules and features through a user-friendly interface. The product works by letting financial institutions, e-commerce firms, and other businesses configure and deploy detection rules without heavy engineering effort, with real-time scoring and risk assessment fed by integrated ML models and heuristic checks. The company differentiates itself from competitors by focusing on a no-code rule-building experience, rapid rule creation and updates, and a subscription-based model that reduces the need for bespoke engineering work. Its goal is to help clients quickly implement and adjust fraud detection rules, enhancing operational agility and security while scaling with business needs.

About Oscilar

Simplify's Rating
Why Oscilar is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Enterprise Software

Fintech

Cybersecurity

AI & Machine Learning

Company Size

201-500

Company Stage

Early VC

Total Funding

$20M

Headquarters

Palo Alto, California

Founded

2021

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Simplify's Take

What believers are saying

  • Conta Azul selected Oscilar on July 14, 2026 to support payments expansion across Brazil.
  • Evolv Consulting partnered with Oscilar on January 20, 2026 to speed implementations for neobanks.
  • Nacha's 2026 ACH rules expanded mandatory fraud monitoring, directly increasing Oscilar's addressable demand.

What critics are saying

  • DataVisor, Feedzai, SEON, and Wibmo shipped overlapping agentic risk products in 2026.
  • Oscilar relies on regulated fintech buyers; one misconfigured model triggers losses, chargebacks, and churn.
  • No outside investment forces disciplined spending; a prolonged sales slowdown threatens the company.

What makes Oscilar unique

  • Oscilar runs no-code risk workflows under 100ms across fraud, AML, credit, and onboarding.
  • On June 3, 2026, Agent Hub launched with 30-plus AI agents sharing one risk profile.
  • Nacha named Oscilar a Preferred Partner on December 17, 2025 for ACH fraud monitoring.

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Funding

Total Funding

$20M

Above

Industry Average

Funded Over

1 Rounds

Early VC funding comparison data is currently unavailable. We're working to provide this information soon!
Early VC Funding Comparison
Coming Soon

Benefits

Health Insurance

Unlimited Paid Time Off

Remote Work Options

401(k) Company Match

Home Office Stipend

Family Planning Benefits

Professional Development Budget

Company Equity

Growth & Insights and Company News

Headcount

6 month growth

5%

1 year growth

3%

2 year growth

-3%
Business Wire
Jul 14th, 2026
Conta Azul taps Oscilar to manage fraud risk as payments business scales.

Conta Azul taps Oscilar to manage fraud risk as payments business scales. The cloud ERP provider will use Oscilar's agentic risk platform to unify fraud prevention, onboarding, and case management as it expands into payments for Brazilian SMBs PALO ALTO, Calif. & JOINVILLE, Brazil-(BUSINESS WIRE)-Oscilar, the agentic risk platform for financial institutions, today announced a partnership with Conta Azul, part of Visma and one of Brazil's leading cloud-based financial management and enterprise resource platforms for small and medium-sized businesses. Business Wire, Inc. wanted a platform its team could run ourselves, building and adjusting its own rules and testing new ideas without waiting on engineering. Oscilar gives Business Wire, Inc. that autonomy plus the freedom to connect its own data and the tools Business Wire, Inc. already use. Share Conta Azul will use Oscilar's fraud prevention, onboarding and case management capabilities to strengthen its risk operations as it expands from financial management into payments and continues scaling services for more than 100,000 businesses across Brazil. The unified system will give Conta Azul's anti-fraud and engineering teams a single real-time view of the customer journey, from onboarding through ongoing transaction monitoring. Oscilar's flexibility was a key factor in the decision. The platform adapts to Conta Azul's data in its existing structure and integrates the third-party services the team already uses, giving the fraud team the speed and control to respond as threats change. Conta Azul also plans to build on Oscilar's agentic AI capabilities. A natural-language copilot helps users create and adjust rules, while an AI agent reviews historical rule performance and recommends improvements. AI-generated case summaries give analysts a faster read on investigations, helping the team move more quickly across both strategy and day-to-day operations. "Brazil is an incredibly demanding fraud market and as Conta Azul grows from financial management into payments, the stakes for our customers only get higher," said Bruno Coconici Rodrigues, Head of Fraud at Conta Azul. "We wanted a platform our team could run ourselves, building and adjusting our own rules and testing new ideas without waiting on engineering. Oscilar gives us that autonomy plus the freedom to connect our own data and the tools we already use." "Conta Azul has spent more than a decade helping Brazilian businesses manage their finances, and as it moves deeper into payments, its fraud team has to move as fast as threats do," said Neha Narkhede, co-founder and CEO of Oscilar. "Our platform puts that control in their hands. They build and adjust rules in plain language, and AI agents help sharpen detection as the patterns shift. We are investing heavily in Brazil and Latin America, and Conta Azul is exactly the kind of team we want to grow with." Key benefits of the partnership include: * Unified fraud and onboarding operations: Onboarding (KYC and KYB), transaction fraud monitoring and case management on a single platform, in place of fragmented tooling. * Controls the fraud team owns: The team builds and adjusts rules directly and tests new strategies without waiting on engineering. * A platform shaped around Conta Azul's data: A schema-agnostic design lets the team send its own data in its own structure, with third-party services connected by Oscilar. * Faster, safer iteration: Backtesting, shadow mode, and controlled rollout let the team try changes before they go fully live. * AI-assisted rule building and case review: A natural-language copilot, an agent that recommends and refines them, and AI summaries that speed up investigations. * Room to scale: Capacity to grow as Conta Azul expands into payments and scales within Visma. * A path to agentic AI: Access to Oscilar's broader agentic capabilities as use cases expand. The partnership adds to Oscilar's growing footprint across Latin America, where financial institutions are adopting unified, agentic risk infrastructure to keep pace with changing fraud and regulatory demands. About Conta Azul Conta Azul is a technology company that offers a financial management system (ERP) designed for micro, small, and medium-sized businesses seeking greater control, visibility, and more time to focus on what truly matters - the success of their business. Conta Azul's ERP is an all-in-one solution that centralizes financial operations in a single platform. It provides a seamless user experience, making it easy to use and quick to implement. The software significantly reduces the time needed to stay on top of financial tasks while offering clear insights to support decision-making. Conta Azul is part of Visma, a leading provider of mission-critical business software with revenue of €3.1 billion in 2025, 17,500 employees, and 2.1 million customers across Europe and Latin America. Learn more at contaazul.com. About Oscilar Oscilar is the agentic risk platform for financial institutions, giving risk and compliance teams direct control over fraud detection, AML compliance, credit underwriting, and onboarding without engineering dependency. Agent Hub, Oscilar's suite of more than 30 coordinated AI agents, operates from a unified view of every customer and transaction across the full risk lifecycle, enabling teams to build and deploy policies in plain language, resolve alerts faster, and share intelligence across every risk domain. More than 100 financial institutions trust Oscilar to process tens of billions of risk decisions per year, each in under 100ms. Oscilar is headquartered in Palo Alto, California. Learn more at oscilar.com

PR Newswire
Jun 3rd, 2026
Oscilar launches Agent Hub with 30+ AI agents to tackle $4.4T global financial crime problem

Oscilar has launched Agent Hub, a unified AI agent platform coordinating over 30 specialised agents across fraud, AML compliance, credit, onboarding, sanctions and disputes for financial institutions. The company now serves more than 100 firms, including SoFi, MoneyGram and Nuvei, processing tens of billions of risk decisions annually. The platform operates from a unified customer risk profile, enabling agents to share intelligence in real time. SoFi reduced time-to-market by 50%, whilst Nuvei cut alert review time by 50% and Clara achieved a fourfold increase in underwriting throughput. Founded by Apache Kafka co-creator Neha Narkhede and former Meta infrastructure lead Sachin Kulkarni, Oscilar was built without outside investment. The platform addresses fragmented risk infrastructure by allowing teams to build policies and deploy strategies without engineering support.

VocoLife
Jun 3rd, 2026
Oscilar Agent Hub: AI platform for fraud & compliance.

Oscilar Agent Hub: AI platform for fraud & compliance. 1h ago · 0:00 listen · Source: PR Newswire Summary. Oscilar has launched Agent Hub, a new platform featuring over 30 AI agents designed for risk operations. This includes areas like fraud, AML compliance, and credit. Here's the thing: The platform helps financial institutions make risk decisions across the entire customer journey. These AI agents share information in real time and learn from human reviews. What's interesting is that over 100 financial institutions, including SoFi and MoneyGram, already trust Oscilar to process tens of billions of risk decisions annually. SoFi saw a 50% reduction in time-to-market, and Nuvei cut alert review time by 50% using Oscilar's agentic risk platform. The bottom line: This new technology aims to tackle financial crime, which is growing significantly faster than the global economy. This is an AI-generated audio summary. Always check the original source for complete reporting.

IT Security News
Mar 30th, 2026
10 best Fraud Detection tools in 2026.

10 best Fraud Detection tools in 2026. 2026-03-30 06:03 Fraud management is detecting, preventing, and responding to fraudulent activity. It entails spotting potential fraud, implementing procedures to prevent fraud, and lessening the effects of fraud. There are several strategies that organizations can use to manage fraud, including: What Does Fraud Detection Software Do? Fraud detection software is designed to identify fraudulent activity by analyzing [...] Read the original article: Information security audit Galileo is delivering fintechs, banks and businesses new ways to fight fraud with the launch of Galileo Instant Verification Engine (GIVE) and Transaction Risk GScore. As digital transactions surge and cyber threats evolve, these tools offer fintechs, financial institutions and businesses advanced real-time fraud detection and risk management capabilities, addressing... September 10, 2024 October 18, 2024 In "Cyber Defense Magazine" Vulnerability assessment tool Oscilar released its AI-powered ACH Fraud Detection product. The solution identifies and prevents fraudulent transactions with unparalleled speed and accuracy by leveraging advanced machine learning algorithms, generative AI techniques, and real-time data analysis and explainability. This innovative solution is critical as the ACH Network - the backbone of the modern... June 14, 2024

AIJourn
Mar 12th, 2026
Barte Selects Oscilar's AI-Native Risk Decisioning Platform to Transform Fraud and Compliance Operations

Barte selects Oscilar's ai-native Risk Decisioning platform to transform fraud and compliance operations. Brazilian financial platform Barte powers its next phase of growth with Oscilar and Mastercard risk intelligence PALO ALTO, Calif. & SAO PAULO-(BUSINESS WIRE)-#ai-Barte, a leading payments and financial services platform based in São Paulo, Brazil, announced today that it has selected Oscilar's AI Risk Decisioning(TM) platform to transform its risk, fraud, and compliance operations. With Oscilar, Barte is using AI to improve customer approval processes, giving non-technical teams the ability to quickly design, test and deploy fraud and compliance workflows. The shift reduces time to market, improves operational efficiency and supports Barte's expansion in Brazil's highly competitive fintech landscape. Building Trusted Payments Experiences from Day One Barte supports more than 5,000 businesses across Brazil with infrastructure for payments, credit and receivables, processing hundreds of thousands of transactions each month and is growing rapidly. As volumes scale, the margin for error in fraud decisioning narrows: too much friction slows growth, while missed fraud erodes trust and unit economics. As demand increased, Barte's static, rules-based systems and engineering-dependent workflows made it difficult to keep pace with evolving fraud. Policy changes required weeks of development, while fraud patterns shifted daily. Barte needed a decisioning platform that gave its teams full control to experiment, test and deploy strategies in real time, without disrupting existing integrations. To support its next phase of growth, Barte selected Oscilar as the decisioning layer for its risk operations. Real-Time Risk Decisioning Unlocked by Oscilar and Mastercard With Oscilar, Barte will run fraud and compliance decisions through a single, real-time layer that brings together its existing third-party data with Oscilar's built-in device and behavioral data, powered by bespoke machine-learning models and AI-native risk decisioning. The rollout allows Barte's risk and compliance teams to build, adjust, and A/B test decision logic on their own using low-code tools, cutting the time it takes to make changes from weeks to minutes. As part of the implementation, Barte is integrating Mastercard's Identity risk transaction data directly into Oscilar, keeping trusted signals in place while making it easier to test new rules and models side by side. Decisions run in parallel to meet the low-latency demands of payments, helping Barte block fraud without adding friction during checkout or onboarding. "One of Mastercard's goals is to ensure that security is never an obstacle to innovation. The integration of our Identity solution into Oscilar's platform enables Barte to make precise risk decisions in milliseconds. This means businesses can enjoy a faster, lower-friction transactional risk analysis process without compromising protection against sophisticated fraud," said Marcelo Tangioni, President of Mastercard Brazil. Key Benefits of the Partnership * Faster iteration, less engineering: Risk and compliance teams can build, change and test fraud rules with low-code workflows without relying on engineering. * A complete view of the customer journey: Seamless integration of best-in-class data and risk signals from Oscilar's marketplace, including identity, fraud prevention, and enrichment tools. * Integration with existing solutions: Oscilar's partnership with Mastercard gives Barte access to advanced transaction risk APIs and joint solution design, enabling faster modernization of decisioning without policy disruption. * Streamlined operations and compliance: Risk, fraud, credit and compliance workflows managed in a single, auditable platform, reducing manual workload and supporting Barte's regulatory posture. "At Barte, our goal is to simplify how businesses access and use financial services, helping them lower costs and operate more efficiently," said César Gomes, Risk Director at Barte. "That starts with giving our own teams the tools to move faster and make better decisions. With Oscilar, we can put smarter approval decisions directly in the hands of our teams, improving the experience for our customers." "Barte is building the kind of financial infrastructure businesses across Brazil need," said Neha Narkhede, CEO and co-founder of Oscilar. "Our platform gives their teams the independence to move quickly, with connected intelligence that catches what other systems miss. This is what modern risk operations should look like: teams with full control, unified risk intelligence and the speed to match market growth." Supporting Sustainable Growth Across Brazil's Financial Ecosystem With Oscilar at the core of its risk operations, Barte can continue expanding its footprint across Brazil, supported by a decisioning foundation designed to handle rising transaction volumes, approve legitimate activity more quickly, and manage fraud at scale. For businesses across Brazil, this translates into faster onboarding, fewer unnecessary declines, and a payments and financial platform that can grow alongside them. About Oscilar Oscilar is the AI Risk Decisioning(TM) platform that unifies fraud, credit, onboarding and AML risk in a single, real-time system. Its no-code architecture empowers risk teams with full ownership of workflows, enabling them to build, test and automate policies without engineering dependency. Powered by agentic AI and bespoke machine-learning models, Oscilar connects signals across the entire customer journey to detect sophisticated threats that rule-based systems miss, delivering fully explainable decisions in under 100 milliseconds. Leading banks, fintechs and digital asset platforms rely on Oscilar to move faster than risk with the control and transparency regulators require. About Barte Barte is the operating layer behind how businesses move, manage, and access money in Brazil. Founded in 2022 and headquartered in São Paulo, the company helps enterprises centralize payables and receivables, automate payments and improve liquidity through data-driven infrastructure. Barte's platform supports multichannel payments and embedded solutions used by thousands of businesses across the country.

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