Use Cases
Money Muling Prevention
The identity is real. The documents are valid. The person passes every check. And they're laundering money through your platform.
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What’s at Stake
The Fraud That Passes Every Gate
Money mules don't look like fraudsters — because technically, they aren't using fake identities. They're real people, with real documents, opening real accounts. They pass KYC. They pass liveness. They look like any other customer.
What they do next is the problem. They receive funds from compromised accounts, move them across institutions, and cash out before anyone connects the dots. Each account passes verification individually. The pattern only becomes visible when you look across accounts, across time, across your entire base.
By then, the money is gone — and the regulatory exposure is yours.
What they do next is the problem. They receive funds from compromised accounts, move them across institutions, and cash out before anyone connects the dots. Each account passes verification individually. The pattern only becomes visible when you look across accounts, across time, across your entire base.
By then, the money is gone — and the regulatory exposure is yours.
$7B+
In financial fraud prevented across Unico's platform last year
95%
Detection precision — flagging true fraudulent behavior while reducing false positives
The Unico Approach
Catch the pattern, not just the identity.
Unico detects money muling by combining two layers that standard identity checks can't replicate: behavioral intelligence that flags suspicious activity patterns, and biometric cross-matching that reveals when the same person operates across multiple accounts.
Behavioral Intelligence — Fraud Risk Classification cross-references transaction data with the global network history — identifying serial patterns, high-frequency activity, attribute mismatches, and third-party credential misuse. The mule's behavior exposes what their identity conceals.
Biometric Cross-Matching — Multi Accounts 1:N performs a segmented biometric search across your base. If the same face is linked to multiple accounts — whether created yesterday or years ago — it's flagged instantly. One face, one contract.
Protected in your most critical moments
New account creation at a financial institution
First deposit or fund reception from an external source
Rapid fund transfers across multiple accounts
Cash-out or withdrawal attempts
Retroactive audit of your existing account base
Cross-border transaction patterns
Unico Proven At Scale
98%
Fraud attempts reduction — wallet with 60M+ users in Brazil
2 sec
To process complex behavioral metadata for an immediate decision
3B+
Verifications processed — every one making the next smarter
