Sift
Also a provider — view Sift’s profile →“Can a machine-learning fraud API become the default risk decisioning layer across every consumer-facing digital business?”
Founded2011
HQSan Francisco, California, USA
Total raised$157M+
Latest roundGrowth, April 2021
Valuation$1B+ (2021)
IndustryInfrastructure / Fraud
The story
Sift began in 2011 as a machine-learning fraud detection API (Sift Science) primarily focused on payment fraud and chargebacks. It expanded into a broader Digital Trust & Safety platform covering account takeover, fake account creation, content abuse, and dispute management, rebranding to 'Sift' in 2019. Sift is a fraud infrastructure vendor — it is a provider for embedded finance stacks, not a consumer of them, so its own embedded finance footprint is intentionally minimal.
Last 12 months
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Product timeline
2011
Founded as Sift Science in San Francisco to apply machine learning to online fraud prevention.· founding
2019
Rebranded from Sift Science to Sift, expanding into a Digital Trust & Safety platform beyond payment fraud.· pivot
2021
Raised $50M at $1B+ valuation; signaled M&A strategy to expand product surface.· funding
The stack
3 layers disclosed in Sift’s embedded-finance stack
Payments / PSP
Card network
in the full report
KYC
in the full report
Accounting gap: none
2 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.