Account Takeover (ATO)
Detection

Prevent device and credential-based hijacks — before funds are moved.

Why It Matters

Account Takeovers Happen Fast — RaptorX Stops Them Early

Account Takeovers (ATOs) are the silent breach point for high-impact fraud.Fraudsters hijack sessions using stolen credentials, spoofed devices, or phishing links — often triggering unauthorized transfers, mPIN resets, or wallet redemptions before anyone notices.

By the time most systems react, the damage is done.RaptorX stops ATOs in motion — not just in hindsight.

What Makes Card & Wallet

Fraud Hard to Catch

Subtle Spoofing

Subtle Spoofing

Device, IP, or session looks “valid” but is subtly altered

Tricked Customers

Tricked Customers

Customers unknowingly approve fraud (via social engineering or OTP phishing)

Behavior Mimicry

Behavior Mimicry

Fraudsters mimic customer behavior using historic data

Static Rules

Static Rules

Traditional systems rely on static lists or reactive rules

Rapid Execution

Rapid Execution

Rapid movement from login → transaction → logout within seconds

RaptorX Detects Hidden

ATO Patterns

Detect Anomalous Access From Behavioral Shifts to Session Fingerprints in Real Time

We score changes in typing speed, navigation, and channel usage to spot behavioral deviations.

Partial device, IP, or geolocation mismatches reveal hidden session tampering and VPN masking.

Simultaneous logins and credential reuse across regions surface instantly through graph correlation.

How RaptorX Helps

You Stay Ahead

Real-time scoring with OTP misuse patterns

Detects risky OTP requests, repeated failures, or social engineering-style misuse.

Login & session entity-link graphing

Connects devices, IPs, and session behaviors across users and geographies.

Dynamic risk recalibration

Updates risk scores mid-session if behavior shifts — even after login is granted.

Why RaptorX Outperforms

Legacy ATO Defenses

Modern Architecture for Fast, Explainable, and Connected Fraud Defense

Pattern-first detection: no need for labeled ATO examples

Unified entity graph connects sessions, devices, and accounts across time

Sub-300ms scoring across web, app, and third-party login flows

Integrates with fraud, AML, or auth stacks seamlessly

Explainable alerts for risk, fraud, and compliance teams

Protect the edge of trust. Before it's breached.

See how RaptorX prevents ATOs — even before the first transaction.