Oscilar
Also a provider — view Oscilar’s profile →“Can an AI-native, agentic risk platform displace legacy fraud/AML vendors (Feedzai, NICE, SAS) across the full onboarding-credit-fraud-compliance stack?”
Founded2021
HQPalo Alto, California, USA
FoundersNeha Narkhede, Sachin Kulkarni
Total raised$20M
Latest roundSelf-funded, 2023
IndustryInfrastructure / Risk Decisioning
The story
Founded 2021 by Confluent co-founder Neha Narkhede and ex-Meta engineer Sachin Kulkarni as an AI-native risk decisioning platform. Self-funded with $20M to avoid outside investor pressure and move fast. Positioned as an 'agentic risk platform' spanning onboarding, credit underwriting, fraud, and AML compliance — competing directly with Feedzai, Unit21, Alloy, and Sardine. Notable customer wins include SoFi, MoneyGram, Nuvei, and TransPecos Banks (sponsor-bank AML).
Product timeline
2021
Company founded by Neha Narkhede (Confluent co-founder, Apache Kafka creator) and Sachin Kulkarni (ex-Meta).· founding
2023
Emerged from stealth with $20M in founder funding, launching AI-driven risk decisioning platform.· launch
2026
Launched Oscilar Agent Hub, expanded into Latin America with ex-Santander COO Sergio Costantini as GM.· expansion
The stack
6 layers disclosed in Oscilar’s embedded-finance stack
Payments / PSP
Banking / BaaS
in the full report
Card network
in the full report
Lending
in the full report
Open banking
in the full report
Unified APIs
in the full report
Accounting gap: none
14 more providers across 5 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.