Customers
Built for marketplace and fintech teams where fraud is a daily operating problem
Early-access teams use Karma3 to catch coordinated fraud rings, reduce false positives, and stop account takeover before checkout completes. No rule engine required.
Use Cases
Three fraud surfaces, one scoring layer
Karma3 delivers trust scores across the scenarios that generate the highest fraud cost for marketplace and payments teams.
Account Takeover at Login
Automated credential stuffing and slow-moving account takeover attacks bypass password verification. By the time a chargeback arrives, the damage is done.
Behavioral scoring at login flags sessions with anomalous input cadence, unfamiliar device fingerprints, and rapid credential retries before the session completes.
First-Party Chargeback Fraud
Friendly fraud accounts for a significant share of chargebacks on high-value orders. Traditional rules catch obvious patterns but miss buyers who have established behavioral histories.
Scoring at checkout captures drift from a buyer's own behavioral baseline, surfacing high-risk sessions that rules would approve based on prior history alone.
Coordinated Seller Ring Activity
Seller rings share devices and IP ranges to amplify fake listings, manipulate ratings, and siphon buyer payments. Device-level signals alone miss the shared network structure.
Network graph scoring identifies shared fingerprint clusters and coordinated activity timing across seller accounts, flagging rings before they scale.
Early-Access Results
From the first cohort of platform partners
Metrics from internal beta data across early-access marketplace and fintech deployments.
What Teams Say
Perspectives from the early-access cohort
"We had a rule engine that required a full-time analyst to keep tuned. Karma3 cut that maintenance load almost entirely while finding patterns the rules couldn't describe."
"The network graph signal was the one we didn't expect to matter. It surfaced three seller ring clusters in the first two weeks that our existing tools had completely missed."
"Integration was genuinely fast. The main friction was deciding where we wanted to place the score calls in our flow, not anything on the SDK or API side."
Join Early Access
See what Karma3 would catch in your stack
Bring your current fraud surface to a 30-minute session. We will run a sample score against your event patterns and show you where behavioral signals would have flagged risk your existing tools missed.