Baselayer

Baselayer builds AI systems for business risk assessment and fraud prevention, aimed at financial institutions that must decide quickly which businesses to onboard. Its technical work spans AI agents built for web analysis, data fusion and entity resolution, natural-language processing of documents and public records, and real-time risk intelligence. The stated goal is to replace legacy KYB processes that rely on static data, disconnected signals and manual review with automated decisioning that clears good merchant applications and blocks fraudulent ones.

The company's core artefacts are the Baselayer Platform and the Business Identity Graph. The platform fuses authoritative government data with web-analysis agents and a network informed by millions of applications to automate merchant onboarding, underwriting and fraud prevention. The Business Identity Graph unifies public records, IRS data, sanctions lists, web signals and fraud telemetry to resolve a business and the individuals behind it, reportedly in milliseconds - an entity-resolution problem at the centre of its fraud detection work.

Scale figures supplied by the company include more than 2,200 financial institutions contributing fraud telemetry, adoption by over 20% of financial institutions in America, and billions of dollars in merchant fraud and credit risk prevented. Its customers sit across financial services, banking, lending, payments and fintech, with a geographic focus on the United States.

Baselayer describes its mission as rebuilding trust in financial transactions, treating trust as the substrate of every financial transaction.