Fraud ring detection, across accounts that look clean alone.

A fraud ring is an organized group that opens many accounts in batches, often with real-looking ID numbers and fresh phones and emails. Each account looks clean on its own, so no single sign-up trips your rules until the ring cashes out.

Monnai finds what the accounts share. For each phone number and email, it reads how many identities share it, how often it is used and any sudden burst of activity across its network. Twelve sign-ups in one afternoon that share details read as one ring, not twelve customers.

Multi-accounting is one person or group opening many accounts on the same service, usually to claim a bonus again, get around a ban or spread fraud thin. Fraud rings do it at scale. The accounts look new, but they often share phones, emails and connections.

Details that are too new or don’t belong together: a phone and an email only days old, several names on one number, or an IP address in a different country from the phone. Monnai checks phone, email, IP and name against each other, and since when.

Yes, when every sign-up is checked as it happens. Rings strike fast, on the first loan or the first payout. With phone and email answers in a few hundred milliseconds, the links show before any money moves, not in a later review.

Send a file of past sign-ups, flagging the accounts you later tied to a ring if you know them. Monnai scores them offline, with no integration on your side, and sends the full report within 5 business days, every score with its reasons.