Incognia

Overview

Incognia answers the identity question with geography. Its premise is that where a person is, over time, is a harder credential to fake than what device they are holding, because people handle important account actions from places they habitually occupy. The platform learns a user's trusted locations, typically home and workplace, from background location signals and motion sensors collected through a mobile software development kit, and treats a departure from that pattern at the moment of login or payment as a risk indicator. The company reports that 90 percent of device authorizations on its network occur at one of the user's trusted locations. The second half is device work. Incognia ID is sold as a persistent identity that survives what ordinarily defeats fingerprinting, namely factory resets and device swaps, and the company pairs it with tamper and location spoofing detection on the grounds that a location signal is only worth anything if it cannot be faked. Clusters of devices are surfaced to expose device farms and repeated resets. The company describes the combination as identity affirmation rather than identity validation, citing an analyst definition, and is explicit that the signal supports an identity claim rather than proving the claimant is present. Financial lines are separately developed and carry finance specific logic, which is what places this record here rather than outside scope. A dedicated banking and fintech line covers account takeover, device authorization at high risk events, new account fraud, and a transaction risk model that scores an individual payment high, low or unknown from hundreds of inputs spanning the user's past transactions, location history, prior fraud events and device data. The company also publishes original research on mule account handover. Food delivery, ride hailing and marketplace lines are sold from the same network and are excluded here. The network is the moat: close to a billion devices, more than 500 million places mapped, and monthly activity across hundreds of millions of devices. Founded 2010 by Andre Ferraz and Alan Gomes, pivoted to fraud prevention in 2020, with 47 million dollars raised and offices in California, New York, Sao Paulo and Recife.

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