Tunic Pay stops scams before the money leaves the account. We’re building the trust infrastructure for real-time payments — fixing a broken system that costs consumers and businesses billions each year. Our technology helps banks and payment providers understand complex, heterogeneous payment context so they can make risk decisions informed by more than just how well they know their own customer.
Our platform orchestrates a real-time investigation into every payment, gathering and assessing diverse data to give institutions a holistic view of payment risk. This allows them to detect and block scams like Authorized Push Payment (APP) fraud as they happen. Under the hood, this means solving hard engineering problems in distributed systems, ML inference, and secure data federation — building high-throughput, resilient systems that turn noisy transaction data into real-time trust and risk decisions.
Founded in 2023, we’re already working with some of the UK’s biggest banks to make confidence — not fear — the default in digital payments.
