aid: effectiv
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/effectiv.png
name: Effectiv
description: >-
  Effectiv is a real-time fraud and risk decisioning platform for banks and
  fintechs, founded in 2021 and acquired by Socure in 2024 for approximately
  $136M. Its AI-driven decisioning engine and orchestration layer let risk teams
  automate decisions across the customer lifecycle, integrating 50+ third-party
  data and solution providers behind one developer-friendly API. The platform
  spans identity verification (KYC and Know-Your-Business KYB), payment and
  identity fraud controls across card, ACH, wire, check, and real-time payment
  rails, AML transaction monitoring, and credit underwriting, backed by a unified
  case-management workspace and client-side Device Intelligence SDKs for iOS and
  React Native.
url: https://raw.githubusercontent.com/api-evangelist/effectiv/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- accel
x-tier: stub
x-tier-reason: portfolio-lead
x-acquired-by: socure
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Security
- Fraud Detection
- Risk
- Decisioning
- Identity Verification
- KYC
- KYB
- AML
- Transaction Monitoring
- Fintech
- Device Intelligence
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://effectiv.ai/
- type: DeveloperPortal
  url: https://docs.effectiv.ai/
- type: Documentation
  url: https://docs.effectiv.ai/
- type: GitHubOrganization
  url: https://github.com/effectivai
- type: Packages
  url: packages/effectiv-packages.yml
- type: SDKs
  url: packages/effectiv-packages.yml
- type: DomainSecurity
  url: security/effectiv-domain-security.yml
- type: LLMsTxt
  url: llms/effectiv-llms.txt
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence