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Oscilar

Provider
Fraud

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 1 company across 1 category.

oscilar.com ↗Also analysed as a company — its own stack →Open Banking Tracker profile ↗
CategoriesFraud
Rank#10 of 10 in Fraud
Buyers1 company
HeadquartersPalo Alto, California, USA
Founded2021
FoundersNeha Narkhede, Sachin Kulkarni
Raised$20M

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Founders & story · from Oscilar’s own dossier

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).

Latest round: Self-funded, 2023
Recent developments
  • 2026Ex-Santander COO Sergio Costantini joins as General Manager of Latin America. source ↗
  • 2026Launched Oscilar Agent Hub — agentic AI workflows for risk decisioning. source ↗
Full dossier: Oscilar’s own stack, layer by layer →
Who uses Oscilar
1 company disclose Oscilar in their stack
Cashco
What the disclosures say
Cashco
“Oscilar publicly lists Cashco as a customer on oscilar.com/customers (TIER 1 known_customer_listing).”
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What Oscilar runs on · from its own dossier
The third-party providers Oscilar itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Oscilar.
PSP
astra
Lending
afterpay
Open Banking
PlaidMastercard Open FinanceMX
Accounting API
CodatRutter
Payroll / HRIS API
Argyle
Full dossier with evidence for each layer →
Alternatives to Oscilar

Other Fraud providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

ComplyAdvantage29 buyers →Sardine18 buyers →Taktile13 buyers →Signifyd10 buyers →Forter7 buyers →Kount6 buyers →Sift2 buyers →GrailPay1 buyer →
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An embeddable badge for Oscilar’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.

Ranked #10 of 10 in Fraud — Embedded Finance Index 2026
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<a href="https://www.embeddedfinanceindex.com/vendors/oscilar?ref=badge">
  <img src="https://www.embeddedfinanceindex.com/api/badge/oscilar.svg"
       alt="Ranked #10 of 10 in Fraud — Embedded Finance Index 2026">
</a>
<img src="https://www.embeddedfinanceindex.com/api/badge/oscilar/install" width="1" height="1" alt="" style="display:none">

Oscilar — frequently asked

Which companies use Oscilar?

1 company is linked to Oscilar in the Embedded Finance Index 2026, through their own public disclosures or Oscilar's published customer list, including Cashco.

What does Oscilar do?

Oscilar is an embedded-finance provider in Fraud. It ranks #10 of 10 Fraud providers by linked companies.

What are the alternatives to Oscilar?

The most-named Fraud alternatives to Oscilar are ComplyAdvantage (29 buyers), Sardine (18 buyers), Taktile (13 buyers), Signifyd (10 buyers), Forter (7 buyers) and Kount (6 buyers).

Who founded Oscilar?

Oscilar was founded by Neha Narkhede and Sachin Kulkarni and is founded in 2021, headquartered in Palo Alto, California, USA.

How much funding has Oscilar raised?

Oscilar has raised $20M in total.

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