The challenge

Romance scammers most often meet victims on social media or dating platforms, building emotional connections over time before presenting fabricated predicaments (such as visa problems, health challenges, or travel expenses) to request financial assistance. Investment scammers follow a similar pattern, using fake platforms and rehearsed communication to build credibility, encouraging an initial payment before pressuring victims into making increasingly larger transfers under the guise of returns or time-sensitive opportunities. Both typologies can persist for weeks or months, frequently involve crypto, and result in significant financial losses before the deception surfaces.

How we solve for it

BioCatch identifies signs of coercion and manipulation across both romance and investment scam scenarios. Hesitation during payment flows, longer press or click times, and rare typing patterns suggest uncertainty or external influence. For investment scams, remote-access or screen-broadcasting activity, abnormal payment velocity, and crypto-related payment behavior elevate risk further, particularly when combined with coaching signals. Financial institutions can intervene before losses accumulate over weeks or months.

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