Lodestar Signals

Lodestar Signals scores account-to-account payments in the seconds before they are released, which is the only window that matters on rails where settlement is final. Its models combine behavioral biometrics from the payer's session, payee account history, device intelligence and network-level signals such as how many first-time payers a receiving account has seen today.

The platform is built for authorized push payment scams, where the customer is the one pressing send. Instead of a binary block, Lodestar returns a recommended intervention: a contextual warning, a cooling-off delay, a call-back, or a hold for review. Banks can tune interventions to their own reimbursement exposure.

On the receiving side, a mule-account module watches inbound flows for rapid pass-through patterns and shares anonymized risk signals across participating institutions under data-sharing agreements.