A privacy-first platform on Israeli Open Finance. It proves a person is real, then prices their financial risk, without storing a single document.
Marketplaces, merchants, lenders and landlords all judge people they've never met, with tools that are opaque, invasive or trivially faked. The bill arrives as fraud losses, compliance overhead and customers who walk away mid-signup.
Lost to online payment fraud in a single year, up 16%. Merchants still can't tell a real buyer from a stolen card.
Drained from financial institutions every year by people who never existed. Gen-AI made fabricating them cheap.
Average KYC and AML spend per institution, per year. 70% still lost clients to slow onboarding.
Of all web traffic is now automated, and account-takeover attacks climbed 40% in twelve months.
One root cause behind all four: there is no cheap, unfakeable way to prove a person is real and price their risk. So everyone over-collects documents, over-pays for manual checks, and still gets defrauded.
A consented bank login proves a unique, real person, then turns their real banking behavior into a 0–100 trust score. It is read in memory and deleted the instant it's scored.
Just the connection proves a real person. We read nothing, store nothing.
Seven behavioral factors become a 0–100 score, then the raw data is deleted.
Israel's regulated bank API (PSD2-style) makes consented, real-time bank data available, and by design it returns zero identifying information. That fits behavior-based trust and proof of personhood equally well, and it is available today.
Deep score for high-stakes decisions.
Lightweight, high-volume verification.
Customers buy credits up front and spend one per check, for a Verify or a Score. Declined checks are refunded, so you only pay for a delivered result.
Marginal cost is about one Open Finance call
Verify and Score draw on one balance
Monitoring re-runs checks on a schedule
SINGLE
1 check · pay as you go
Try it once, no commitment.
STANDARD
Popular10 checks · ₪32 each · −20%
For teams running checks every week.
ENTERPRISE
Unlimited volume · custom rate
API access, SLA and volume pricing.
+ Monitoring subscription · checks re-run daily, weekly or monthly at 1 credit per refresh · auto-reload keeps the balance topped up
The same bank connection is a product in every industry that has to answer "is this person real, and can I trust them?" Each one already pays for a worse answer.
Global market by 2030, up from $14.3B in 2025 at 15.4% CAGR. We enter as the cheap, document-free option.
Fraudulent transactions per year by 2030. Merchants pay on every wrong call, so a verified buyer is worth money.
Global AML and KYC compliance spend by 2028. Scoring replaces statements, payslips and manual review.
Beachhead → expansion. Start with Israeli rentals and marketplaces, where we are already live, then open the Verify API to e-commerce and lending platforms. Open Finance is the local flavour of PSD2, so the same product ships into the UK and EU without rebuilding the integration.
CS finalists in the Fintech and Algorithmic-Trading track. We designed, built, validated and deployed the entire platform ourselves.
What's next : real pilots in rentals and online marketplaces, and an open Verify API for platforms.
See it live · opengrade.cs.colman.ac.il
Questions welcome