# Effectiv

**Canonical:** https://apis.io/providers/effectiv/  
**Website:** https://effectiv.ai/  
**APIs profiled:** 0

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.

## Kin Score — 9.4 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 9.4).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 16.7 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Effectiv Domain Security** — DNSSEC · DMARC

## Tags

Company, Security, Fraud Detection, Risk, Decisioning, Identity Verification, KYC, KYB, AML, Transaction Monitoring, Fintech, Device Intelligence

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/effectiv/). Scores are computed from the provider's own public artifacts under a published rubric.