AI risk data infrastructure for AI agents, people and businesses

Verify the agent. And everyone behind it.

Every person, business and transaction, on every action. Banks, lenders and platforms use Monnai to decide on identity, fraud and credit risk in real time.

Test us on your dataDiscover Agent Pass
  • 5B+consumer identities
  • 100M+businesses
  • 1,000+risk features
  • 200+countries covered

Agent PassThe agent, and who it acts for

Identity and riskKYC · KYB · Fraud · Credit

AI risk infrastructure200+ sources, one API

One live check. Customer, agent or bot.

Agent Pass reads who is acting and for whom, then gives your team a clear decision, with its reason.

Discover Agent Pass

Emma

Create your account

Phone number+52 55 1234 5678
Emailemma@example.com
Create account

Monnai

What our AI infers

  • AgentNone: Emma herself
  • PersonReal, same phone for 6 years
  • ContextHer usual device
  • ActionA new account

Your decision

ApproveA real customer: no extra steps.

Global, in big markets and emerging ones.

Banks, lenders and platforms rely on Monnai in five regions: signals in 200+ countries, risk models tuned to each market.

Where our customers are: North America, Latin America, Europe, the Middle East and Africa, South Asia and Asia-Pacific
  • Financial services
  • Payments & commerce
  • Digital platforms

Read the customer stories

One platform for credit risk, fraud prevention and identity verification.

From a phone, an email, a business or an AI agent’s session, in one API call.

Keep fake and synthetic accounts out, from the first click.

Explore sign-up checks

Monnai

What our AI infers

  • NetworkPhone reused across many sign-ups
  • NetworkBurst of activity in 24 hours
  • FraudThrowaway email

Your decision

DeclineFake accounts, no promo

Real timeReasons attached

Or start from your industry

Customer results: less fraud, more approvals.

More customer stories

Let us prove it. Test us blind on your data.

Send past applications or transactions. We score them and send back a full report: every score with its reasons, and the uplift for your portfolio.

5 business days to your full report. We commit to it.

Start your testOr request a call back

  1. Your pass mark Agreed in writing, before any data moves.

  2. Blind, or with your outcomes Keep them and grade us, or share them and we measure the uplift.

  3. Your report Scores, insights and uplift, segment by segment. No integration, no engineering.

  • SOC 2 Certified
  • ISO 27001 Certified

Processed under a data processing agreement (DPA) and local privacy laws, encrypted in transit and at rest.

Frequently asked questions.

Can’t find yours? Ask an expert.

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What does Monnai do?

Monnai is the AI risk data infrastructure for AI agents, people and businesses. From a phone number or an email, it returns insights in plain words, and a risk score with its reasons when you want one, in one API call.

What is Monnai Agent Pass?

Know Your Agent (KYA) for agentic commerce. When an AI agent shops, pays, borrows or signs up for someone, Agent Pass checks the agent first, then the person or business it acts for, the transaction and its context, on every action. Discover Agent Pass.

Do we have to replace our credit scores or our fraud tools?

No. Monnai adds to your stack: it scores the people legacy credit scores miss, and catches the fraud your rules let through.

Can we test Monnai before we sign?

Yes, and we’d rather you did. Send past applications or transactions: we score them offline, with no integration on your side. Your full report comes back within 5 business days.

Which countries and regions does Monnai cover?

Phone, email and digital footprint insights cover 200+ countries. Identity and KYC checks against official, mobile and consumer records cover up to 100 countries. Customers are live in five regions. See our coverage.

How do you handle personal data?

Monnai is SOC 2 and ISO 27001 certified. Personal data is processed under the privacy laws of each market, encrypted in transit and at rest, and only the people who need it can access it. Retention and sharing are set in your data processing agreement (DPA).