Agent that intercepts and defeats common banking/payment scams for individuals before money is sent
An agentic system that detects incoming scam calls, messages, and emails in real time, verifies legitimacy against actual bank/service records, blocks fraudsters, and if the person has already been compromised, autonomously initiates disputes, chargebacks, and account freezes.
The problem
Millions of people annually receive spoofed calls from 'their bank' or payment services claiming fraud, social engineering them into wire transfers, gift cards, or account access; victims lose $20B+ yearly, most never recover because they don't know how to dispute or don't act fast enough.
Who has it: Individuals (age 18–85, all income levels) who receive unsolicited calls/messages claiming to be from their bank, payment service, or government agency and fear they are being scammed or have already lost money.
Why now: Phone spoofing and deepfake audio have become commodity tools; seniors and younger people alike fall for these at scale; banks themselves admit they cannot stop inbound scams on their own and push burden to consumer; recovery process is fragmented across bank, carrier, and law enforcement.
Where this came from
2 public sources behind this idea.
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