Baselayer

Baselayer is an AI-powered platform for business risk assessment and fraud prevention, built to help financial institutions make faster and more accurate decisions about the businesses they onboard. The company operates in the United States, serving banks, fintechs, lenders, merchant services and payments firms. Its stated premise is that trust underpins every financial transaction, and that rebuilding it requires automating processes - merchant onboarding, underwriting and fraud prevention - that have largely been handled by manual review.

The company's core product fuses government data, IRS data, sanctions lists, web signals and fraud telemetry into real-time risk intelligence. At its centre sits a business identity graph, assembled from those same sources, which resolves a business and the humans behind it in milliseconds. Purpose-built AI agents for web analysis run alongside authoritative government data and an application network numbering in the millions.

According to Baselayer, more than 2,200 financial institutions contribute fraud telemetry to the network, and over 20% of financial institutions in America use the platform. The company states that the network has prevented billions of dollars in merchant fraud and credit risk. Technical work spans AI agents, web scraping and analysis, fraud detection, data fusion, entity resolution, real-time risk intelligence and natural-language underwriting.