Effectiv

Effectiv is a real-time fraud and risk decisioning platform for banks and fintechs, founded in 2021 and acquired by Socure in 2024 for approximately $136M. Its AI-driven decisioning engine and orchestration layer let risk teams automate decisions across the customer lifecycle, integrating 50+ third-party data and solution providers behind one developer-friendly API. The platform spans identity verification (KYC and Know-Your-Business KYB), payment and identity fraud controls across card, ACH, wire, check, and real-time payment rails, AML transaction monitoring, and credit underwriting, backed by a unified case-management workspace and client-side Device Intelligence SDKs for iOS and React Native.

Effectiv is profiled on the APIs.io network. Tagged areas include Company, Security, Fraud Detection, Risk, and Decisioning.

Effectiv’s developer surface includes documentation and 7 more developer resources.

🌐 Visit website 📡 Source on GitHub

12.2/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

CompanySecurityFraud DetectionRiskDecisioningIdentity VerificationKYCKYBAMLTransaction MonitoringFintechDevice Intelligence

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 12.2/100 · minimal

Contract Quality 0.0 / 25

Developer Ergonomics 4.8 / 20

Commercial Clarity 0.0 / 20

Operational Transparency 0.7 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/effectiv: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Get Started 1

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Build 3

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

SDKs

SDKs

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Company 1

The organization behind the API

Website

Website

Source (apis.yml)

aid: effectiv
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/effectiv.png
name: Effectiv
description: Effectiv is a real-time fraud and risk decisioning platform for banks and fintechs, founded in 2021 and acquired
  by Socure in 2024 for approximately $136M. Its AI-driven decisioning engine and orchestration layer let risk teams automate
  decisions across the customer lifecycle, integrating 50+ third-party data and solution providers behind one developer-friendly
  API. The platform spans identity verification (KYC and Know-Your-Business KYB), payment and identity fraud controls across
  card, ACH, wire, check, and real-time payment rails, AML transaction monitoring, and credit underwriting, backed by a unified
  case-management workspace and client-side Device Intelligence SDKs for iOS and React Native.
url: https://raw.githubusercontent.com/api-evangelist/effectiv/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- accel
x-tier: stub
x-tier-reason: portfolio-lead
x-acquired-by: socure
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Security
- Fraud Detection
- Risk
- Decisioning
- Identity Verification
- KYC
- KYB
- AML
- Transaction Monitoring
- Fintech
- Device Intelligence
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://effectiv.ai/
- type: DeveloperPortal
  url: https://docs.effectiv.ai/
- type: Documentation
  url: https://docs.effectiv.ai/
- type: GitHubOrganization
  url: https://github.com/effectivai
- type: Packages
  url: packages/effectiv-packages.yml
- type: SDKs
  url: packages/effectiv-packages.yml
- type: DomainSecurity
  url: security/effectiv-domain-security.yml
- type: LLMsTxt
  url: llms/effectiv-llms.txt
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence