Fraud Data Analyst

Incognia launches agent checks that tie payments to customer context. Co-founder André Ferraz is extending Incognia's device, location and behavioral fraud signals to agent-driven actions, web sessions and analyst investigations. By RuntimeWire Staff - Published Oct 6th, 2026, 12:20pm CT - 4 MIN READ - 5 SOURCES - VIA PR Newswire Listen to article. Incognia introduced a system for financial institutions to assess whether an AI agent is legitimate and whether the action it is attempting is authorized by the customer behind it. The October 6th launch builds on co-founder and CEO André Ferraz's use of device, location and behavioral signals to establish trust in digital interactions. The new AI Agent Detection capability evaluates the agent and its requested action separately. Incognia says it combines signed-request verification and agent-origin classification with bot detection and its existing risk intelligence. When a bank needs more confidence, it can compare an agent's request with signals from the customer's trusted devices, account activity, device integrity, network and location. That distinction addresses a specific problem in agent-driven payments: confirming that a request came from a real agent does not establish that its human customer authorized a particular purchase, payment or account change. Ferraz put it plainly in the launch announcement: "Knowing that a request came from a legitimate agent isn't the same as knowing that a specific action should be allowed." How Incognia applies location technology to agentic commerce. Ferraz and co-founder and CTO Alan Gomes began developing the location technology behind Incognia around 2010. The company's account of its history describes early work on indoor location before the founders turned that foundation toward digital identity and fraud prevention. Ferraz studied computer science at the Federal University of Pernambuco; Gomes studied there as well, and both were co-founders of the predecessor company In Loco, according to Incognia's team history. Incognia aims to identify whether a digital interaction fits a user's established device and location patterns, including when a person changes devices or sessions. For agentic commerce, Ferraz is applying that approach to a different question: can the institution connect an automated request to the person whose authority it invokes? The launch also bundles two adjacent capabilities. Web Behavioral Biometrics adds mouse movement, keyboard interaction and copy-and-paste behavior to Incognia's browser, device, automation and location signals. The company says it can connect a web session to a trusted mobile device when further verification is needed. Its MCP Server, meanwhile, is designed to let compatible AI applications retrieve fraud evidence, trace links across devices and accounts, and organize investigation findings from natural-language questions. The initial MCP experience is read-only, leaving enforcement decisions with human analysts. The read-only MCP experience keeps AI in the role of gathering and organizing evidence. A person retains decisions such as changing a risk outcome or taking enforcement action. In a regulated fraud operation, the audit trail and the decision-maker are part of the product. Incognia joins other efforts to establish trust in agentic commerce. Incognia is entering a field where identity vendors and payment providers are building ways to connect people with software agents. Experian announced its Agent Trust framework in April 2026, describing a system to establish a verifiable link between consumers and agents for AI-driven commerce. IBM announced an MCP-based capability for fraud detection and investigation in March. Those launches address overlapping trust problems, although their products and approaches are not directly comparable based on the public descriptions. Incognia says its products focus on the risk around a specific consumer action and the context available across that customer's devices and behavior. This builds on its existing fraud-prevention business, which combines location analysis, device recognition and tamper detection. The new products extend those signals into agent requests, browser sessions and investigators' AI workflows. The launch announcement does not provide customer deployments or adoption figures for these capabilities. Incognia announced a $31 million Series B in January 2024, led by Bessemer Venture Partners, with participation from FJ Labs and existing investors including Point72 Ventures, Prosus and Valor Capital, according to its funding announcement. That round predates this launch by more than two years and is financing history, not new capital for the products announced today. Banks will need to determine whether signals they already understand - known devices, account history, location and behavior - can help distinguish authorized automation from a legitimate agent acting outside its customer's intent. Incognia has described the controls it wants to offer, but has not supplied deployment figures or independent performance results for the new capabilities. Their operational value remains to be established in use. RuntimeWire, Inc. get virtually zero search traffic. Please consider sharing this story. Signal check Noise Signal Where does this story land? Drag the dial. The startup Incognia helps companies stop fraud using location, persistent device recognition, and tamper detection. Incognia provides fraud detection and identity intelligence for platform businesses. Its core product, Incognia ID, combines app security, device identity, and location intelligence to recognize users across devices and detect organized fraud involving resets, clones, and spoofed environments. The company serves food delivery, ride sharing, P2P marketplaces, and financial services, addressing problems such as account takeover, promo and refund abuse, fake accounts, payment fraud, and account sharing. Its site says more than 50% of top delivery platforms trust Incognia and reports a 0.001% false positive rate. Named customers and partners include Zepz, Webull, Nextdoor, Delivery Hero, Just Eat Takeaway, Grubhub, Favor, Cabify, and SumUp. Stay on the wire. Breaking startup & AI news, funding scoops, and launches as they happen. Follow @runtimewire on Threads and LinkedIn.

Incognia has launched AI Agent Detection to help financial institutions assess risks from AI-initiated transactions. The system evaluates both the agent's identity and individual actions separately, combining signed-request verification, agent-origin classification, and bot detection with broader risk intelligence. The new capability addresses a key challenge: verifying an AI agent is legitimate doesn't guarantee its actions are authorised by the actual customer. When additional confidence is needed, institutions can verify requests against signals from customers' trusted devices, account activity and location data. Incognia is also introducing Web Behavioral Biometrics, which adds mouse movement and keyboard interaction signals to existing intelligence. The company's new MCP Server enables fraud analysts to use AI applications for investigations whilst keeping enforcement decisions under human control. The San Jose-based company provides cross-device risk intelligence for mobility, marketplace and financial services firms globally.

Incognia, a cross-device risk intelligence provider, has partnered with Cabify, an international mobility platform operating across six markets and 40 cities in Spain and Latin America. The partnership aims to strengthen safety and fraud prevention for drivers and riders using device and location intelligence. Cabify selected Incognia to combat sophisticated fraud schemes including fake rides, identity manipulation, GPS spoofing, promotional abuse, ban evasion and driver account sharing. The solution combines device fingerprinting, tamper detection and precise location intelligence whilst maintaining seamless user experiences. According to Cabify, 79% of its users choose the platform for its security guarantees. The partnership follows Incognia's recent announcement that it tripled year-over-year revenue and now serves over half the world's largest food delivery and ride-hailing companies.