Synthetic identities and AI-generated signups can fake an email, a face, and a fingerprint. They can't fake months of real bank history with real payroll deposits in the same name. Delegate verifies the part of fraud that hasn't gotten cheap.
When a user reaches a moment that matters — signup, first deposit, withdrawal above a threshold — Delegate replaces "trust the form" with "verify the bank." The user picks their bank, signs in to it, and Delegate scores what they actually have.
The cost curve for fraud has collapsed. A clean email is free. A working SSN fragment costs a few dollars on a leak market. An AI-generated face passes document KYC for nothing. Behavioral fingerprints — mouse movement, typing cadence, device entropy — are now reproducible by an agent for pennies.
What's still expensive is a real bank account in your name, with eighteen months of payroll deposits, that happens to match the name you signed up with. That's a real job, real time, real provenance. Those don't scale to attack tens of fintechs at once.
Delegate's bet is simple: verify the part of fraud that hasn't gotten cheap. Synthetic identities don't survive the test because they can't afford to.
Other fraud tools log decisions like engineers do — messy timestamps, free-form reasons, cobbled together at audit time. Delegate logs them like compliance officers do — structured, immutable, mapped to the frameworks your auditor already trusts.
The Acme Invest demo runs verifications through the same scoring engine your customers will hit. Five scenarios, instant verdicts, no signup.