Baselayer

Baselayer is an AI-powered platform for business risk assessment and fraud prevention, designed to help financial institutions make faster, more accurate decisions about the businesses they onboard. The company combines authoritative government data, AI agents purpose-built for web analysis, and a network powered by millions of applications to automate merchant onboarding, underwriting, and fraud prevention. By unifying public records, IRS data, sanctions lists, web signals, and fraud telemetry from over 2,200 financial institutions, Baselayer creates a comprehensive business identity graph that resolves any business and the humans behind it in milliseconds.

Legacy KYB systems rely on static data, disconnected signals, and manual review, leaving gaps for fraud, compliance risk, and inefficiency. Baselayer closes those gaps by fusing multiple data sources into real-time risk intelligence. Trusted by over 20% of financial institutions in America - including FIS, Rho, Socure, and leading loan infrastructure providers - the platform helps prevent billions of dollars in merchant fraud and credit risk while instantly automating good merchant applications. Trust is the substrate of every financial transaction, and Baselayer is rebuilding it from the ground up.