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Two decades of identity data, turned into better risk decisions

Enterprise fraud teams need fast, defensible decisions when identity data is hardest to trust. Pipl resolved more than 20 years of identity data into a living graph, and our Elephant large risk model turns it into explainable, real-time risk intelligence.

Protecting the transactions at the world’s largest payment institutions

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#1 Card Network

Trust scoring across millions of card authorizations a year.

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#1 Ecommerce Marketplace

Separating real shoppers from fraud at checkout, at scale.

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#1 P2P Payment Platform

Validating identity in real time, before money moves.

Why other fraud tools can't solve the problems Pipl was built for

Other tools are built for broad applicability, not your actual fraud environment. When they can't capture the conditions your team manages, decision quality weakens and the gap gets covered by manual effort.

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    Calibration that doesn't drift

    Other tools are easy to stand up but difficult to tune to the fraud patterns and approval goals that define your business. 

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    Signals in context, not isolation

    A phone, email, or device on its own is just an attribute. Elephant evaluates whether those attributes make sense together. 

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    Intelligence that stays explainable

    Decisions that can't be explained become harder to defend under compliance review or internal audit. Pipl's intelligence holds up across systems. 

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    Fewer decisions pushed to review

    When intelligence lacks conviction, work moves downstream to review queues. More precise risk assessment keeps it from getting there. 

5B

5 billion unique identities

1T

1 trillion diverse signals

2B

2 billion daily signal updates

Fraud detection is a problem of probability, not plausibility

Large language models reason in prose. Fraud decisions get made in milliseconds, against structured signals like transaction histories, device fingerprints, and identity attributes. Elephant is a large risk model built for that job specifically. Evaluative, not generative. Precise at one high-stakes decision, not broad across many.

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Specialized, not adapted

Most vendors that claim AI are running general classification models adapted for payments. Elephant was built for payment fraud from the ground up.
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Built on outcomes, not text

Elephant trains on verified real-world fraud outcomes across 20 years of global identity data. The signals it learns from are the ones that decide approve or decline.
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Lean and defensible by design

Elephant's architecture is optimized for sub-200ms decisioning at scale, and its evaluative output keeps the reasoning behind every score traceable for audit and compliance.

The layers underneath Pipl's signals and scores

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The layers underneath Pipl's signals and scores

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The Trust Network

The live signal network feeding the stack. Continuously refreshing inflow from the world’s largest payment environments, with more than 2 billion daily signal updates, sourced from the places where payment fraud actually happens.

The layers underneath Pipl's signals and scores

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Pipl Solution Suites

Trust, Search, and Elements deploy Elephant's intelligence into the workflows enterprise teams already own. Sub-200ms response times, privacy-preserving design, and no rebuild required for the systems already in place.

The layers underneath Pipl's signals and scores

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Elephant Large Risk Model

Trained on more than 1 trillion identity, payment, and behavioral signals, calibrated to the fraud patterns of each environment it operates in. Evaluative, not generative, and built for precision at one high-stakes decision.

The layers underneath Pipl's signals and scores

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Pipl Identity Graph

The resolved identity foundation Elephant operates against. More than 5 billion digital identities across 28 billion unique identifiers, including 3 billion global mobile numbers and 10 billion global email addresses, built across 20 years of fragmented global markets.

The layers underneath Pipl's signals and scores

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Unique Data Assets

Twenty years of global identity and payment data, collected before AI-generated identities existed and refined across the environments where identity data is hardest to find. The depth that makes the rest of the stack defensible.

Built for every high-stakes risk decision

Transaction Risk

The payment moment is where fraud and false declines both cost you. Score each transaction in real time against the identity behind it, whether it's a card at checkout or money moving over RTP, wire, or P2P.

  • Approve more good transactions and cut false declines
  • Stop card-not-present fraud, stolen cards, and chargebacks
  • Catch authorized-push-payment scams and mule accounts on instant rails
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Measurable results in complex payment environments

Common questions
from enterprise fraud teams

How is Pipl different from other fraud intelligence vendors?

Most fraud tools on the market were built for general risk classification and then adapted for payment environments. Pipl's large risk model, Elephant, was built specifically for payment fraud decisioning from the ground up, trained on more than 20 years of global identity data across five billion digital identities and more than one trillion signals. The architectural difference matters in practice.

Elephant evaluates identity, behavioral, and device signals in combination rather than in isolation, because fraud shows up in how signals relate, not in their individual presence. It's also calibrated to each customer's deployment environment, so the model reflects your actual fraud patterns rather than a global average built for someone else's portfolio. Generic tools approximate. Elephant is precise.

Can Pipl improve authorization rates and reduce fraud at the same time?

Yes, and this is where Pipl's payment-fraud-specific training produces its most measurable impact. The authorization rate and fraud rate tradeoff is real when intelligence is imprecise. When a risk model is more confident about which transactions are legitimate, institutions can approve more of them without taking on additional fraud exposure.

In a global marketplace deployment, Pipl Trust increased approval rates by 19.44 percentage points at the same fraud threshold. In a global ecommerce environment, scoring accuracy improved by 35% and manual review volume dropped by 27%. The precision gains are what make both numbers move in the right direction simultaneously.

Does Pipl replace our existing fraud decisioning system?

No, and it's not designed to. Pipl solutions are built to strengthen the decisions enterprise teams are already making inside the systems they already use. Elephant delivers its risk assessment or identity resolution output into your existing authorization workflow, model stack, or rules engine. It doesn't require a rebuild of your decision logic.

Most customers find that Elephant's output becomes the most heavily weighted signal in their stack, not because it displaces their existing logic but because its precision gives that logic more to work with. Pipl integrates with your environment rather than replacing it.

 

What makes Elephant a large risk model rather than just another AI fraud tool?

The distinction is architectural, not marketing. Elephant is evaluative, not generative. It doesn't produce text or summaries. It ingests identity, behavioral, and device signals and renders a risk assessment against learned patterns of payment fraud. That design objective, precision against a single high-stakes decision, is what separates it from general-purpose AI tools applied broadly across risk domains. "Large" reflects the scale Elephant operates at: more than one trillion payment fraud signals across five billion digital identities, built over two decades.

Most vendors that claim AI are running general classification models adapted for payment use. Elephant was built for this problem specifically, which is why it scores with precision where adapted models approximate.

How does Pipl's identity data foundation compare to what other vendors offer?

Pipl's identity graph represents more than 20 years of continuous investment in making fragmented global identity data usable across the world's most complex markets. It covers more than five billion digital identities across more than 28 billion unique identifiers, including more than three billion global mobile numbers and more than ten billion global email addresses.

That foundation can't be assembled quickly or approximated from public sources. It's what Elephant was trained on and continues to operate against, which is why Pipl's signal depth in markets where identity data is historically thin is a meaningful differentiator. Transactions backed by three or more strong identity signals show 80% lower fraud rates. That kind of precision comes from the depth of the data, not just the model sitting on top of it.

 

How are Pipl solutions priced?

Most fraud vendors charge separately for the capabilities that make up a complete decisioning solution: API access, monitoring, device intelligence, identity signals, scoring. Each Pipl suite is priced on a single principle: pay once, only for the decisions made. The capabilities inside Trust, Search, or Elements come together within each suite, not as separate line items.

Teams don't pay a premium for full-suite coverage within a Pipl solution, and procurement doesn't have to negotiate against itself across overlapping vendor contracts to get there.

How is Pipl different from other fraud intelligence vendors?

How is Pipl different from other fraud intelligence vendors?

Most fraud tools on the market were built for general risk classification and then adapted for payment environments. Pipl's large risk model, Elephant, was built specifically for payment fraud decisioning from the ground up, trained on more than 20 years of global identity data across five billion digital identities and more than one trillion signals. The architectural difference matters in practice.

Elephant evaluates identity, behavioral, and device signals in combination rather than in isolation, because fraud shows up in how signals relate, not in their individual presence. It's also calibrated to each customer's deployment environment, so the model reflects your actual fraud patterns rather than a global average built for someone else's portfolio. Generic tools approximate. Elephant is precise.

Can Pipl improve authorization rates and reduce fraud at the same time?

Can Pipl improve authorization rates and reduce fraud at the same time?

Yes, and this is where Pipl's payment-fraud-specific training produces its most measurable impact. The authorization rate and fraud rate tradeoff is real when intelligence is imprecise. When a risk model is more confident about which transactions are legitimate, institutions can approve more of them without taking on additional fraud exposure.

In a global marketplace deployment, Pipl Trust increased approval rates by 19.44 percentage points at the same fraud threshold. In a global ecommerce environment, scoring accuracy improved by 35% and manual review volume dropped by 27%. The precision gains are what make both numbers move in the right direction simultaneously.

Does Pipl replace our existing fraud decisioning system?

Does Pipl replace our existing fraud decisioning system?

No, and it's not designed to. Pipl solutions are built to strengthen the decisions enterprise teams are already making inside the systems they already use. Elephant delivers its risk assessment or identity resolution output into your existing authorization workflow, model stack, or rules engine. It doesn't require a rebuild of your decision logic.

Most customers find that Elephant's output becomes the most heavily weighted signal in their stack, not because it displaces their existing logic but because its precision gives that logic more to work with. Pipl integrates with your environment rather than replacing it.

 

What makes Elephant a large risk model rather than just another AI fraud tool?

What makes Elephant a large risk model rather than just another AI fraud tool?

The distinction is architectural, not marketing. Elephant is evaluative, not generative. It doesn't produce text or summaries. It ingests identity, behavioral, and device signals and renders a risk assessment against learned patterns of payment fraud. That design objective, precision against a single high-stakes decision, is what separates it from general-purpose AI tools applied broadly across risk domains. "Large" reflects the scale Elephant operates at: more than one trillion payment fraud signals across five billion digital identities, built over two decades.

Most vendors that claim AI are running general classification models adapted for payment use. Elephant was built for this problem specifically, which is why it scores with precision where adapted models approximate.

How does Pipl's identity data foundation compare to what other vendors offer?

How does Pipl's identity data foundation compare to what other vendors offer?

Pipl's identity graph represents more than 20 years of continuous investment in making fragmented global identity data usable across the world's most complex markets. It covers more than five billion digital identities across more than 28 billion unique identifiers, including more than three billion global mobile numbers and more than ten billion global email addresses.

That foundation can't be assembled quickly or approximated from public sources. It's what Elephant was trained on and continues to operate against, which is why Pipl's signal depth in markets where identity data is historically thin is a meaningful differentiator. Transactions backed by three or more strong identity signals show 80% lower fraud rates. That kind of precision comes from the depth of the data, not just the model sitting on top of it.

 

How are Pipl solutions priced?

How are Pipl solutions priced?

Most fraud vendors charge separately for the capabilities that make up a complete decisioning solution: API access, monitoring, device intelligence, identity signals, scoring. Each Pipl suite is priced on a single principle: pay once, only for the decisions made. The capabilities inside Trust, Search, or Elements come together within each suite, not as separate line items.

Teams don't pay a premium for full-suite coverage within a Pipl solution, and procurement doesn't have to negotiate against itself across overlapping vendor contracts to get there.

Stop accepting the tradeoffs of generic fraud intelligence

If your current tools are built for broad use cases, they're shaping your decision quality, fraud exposure, and review burden, whether you realize it or not. Pipl solutions are built on the industry's only large risk model for the fraud environment you actually manage.