Vilkax
Personal Business Developers Trust layer
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Die Vertrauensschicht für das digitale Leben

Eine Engine. Jede Ebene des Vertrauens.

Vilkax is an AI guardian that prevents scamsdrainersdeepfakesimpersonatorsscams before the money is gone. Not just an app. The infrastructure for trust across your digital and physical life, and for the institutions that serve you.

Menschen Banken · Fintech · Krypto Versicherer · Telekom · Behörden
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In fünf Sekunden

Vilkax is an AI guardian that prevents scams before money is lost.

Die meiste Sicherheit reagiert erst nach dem Angriff. Vilkax liest die Absicht hinter einer Nachricht, einem Link, einer Transaktion oder einem Moment und schreitet leise als Erstes ein. Für einen Menschen, für eine Familie und für eine Bank, im exakten Augenblick, in dem eine Entscheidung fällt.

Was alle anderen schützen

Andere schützen das Gerät.
Vilkax schützt den Menschen.

Antivirus bewacht Dateien. Passwortmanager bewachen Passwörter. Banken bewachen Konten. Kein Einziges davon bewacht den Menschen in dem Moment, in dem er manipuliert wird, gegen sein eigenes Interesse zu handeln. Genau in diesem Moment geht das Geld tatsächlich verloren, und es ist das Einzige, wofür Vilkax gebaut ist, es zu schützen.

Antivirusprotects your files
Password managersprotect your passwords
Banksprotect your account
Firewallsprotect the network
Vilkaxprotects the human, in the moment the decision is made
Vertrauensinfrastruktur

Eine Engine. Acht Zielgruppen.

Dieselbe verhaltensbasierte Risiko-Engine, die um 2am einen Menschen schützt, ist die API, die eine Überweisung freigibt, eine Wallet prüft, einen Schadensfall bepreist und einen SIM-Tausch meldet. Es sind nicht acht Produkte. Es ist eine Vertrauensschicht mit vielen Zugängen.

People & families

Real-time scam, phishing and drainer defence, plus physical safety when a moment turns. The consumer guardian.

Consumer app · iOS · Android · desktop

Banks

Score the authorised-push-payment moment. Read coercion and mule patterns before a customer sends a life-changing transfer.

Protect API · scam-aware decisioning

Fintechs

One explained verdict at onboarding, checkout, payout and KYB. Fewer false declines, fewer chargebacks, no seat tax.

Protect API · Guard risk scoring

Crypto

Know-Your-Transaction screening for wallets and counterparties, tracing scam proceeds and mixer exposure before you sign.

KYT API · on-chain fund-flow

Insurers

Price and detect the vulnerable-customer and claims-fraud moment with explainable, auditable evidence, not a black box.

Risk API · claims & onboarding

Telecoms

SIM-swap, robocall and smishing pressure read at the network edge, protecting the account before the takeover completes.

Signals API · account takeover

Marketplaces

Score listings, sellers and payout wallets continuously, not just at signup. Trust and safety as one call.

Protect API · continuous scoring

Government

Population-scale scam intelligence and citizen protection with EU data residency and a documented, examiner-ready trail.

Intel API · EU-resident, auditable
Read the Protect API Vilkax for business
Eine Plattform, viele Wächter

Keine Feature-Liste. Ein Verbund aus Wächtern.

Jede Fähigkeit ist für sich ein herausragendes Tool und zugleich ein Modul derselben Vertrauensschicht. Aktivieren Sie, was Sie brauchen. Sie teilen sich ein Gehirn, sodass sich der Schutz verstärkt, statt zu zersplittern.

Scam Shield

digital

Real-time scam, phishing and fraud detection across SMS, links, email and calls. Fast enough to catch a threat mid-click.

Transaction Guardian

financial

Reads the intent behind a payment or wire and steps in before the money moves, on your device and inside a bank's API.

Identity Shield

identity

Smart step-up sign-in and account-takeover defence that notices a new device or an impossible login and tightens up first.

Crypto Guardian

on-chain

Screens wallets and counterparties for drainers, mixers and scam proceeds before you sign. KYT for people and platforms.

Emergency Mode

physical

A discreet panic trigger and safe word bring your trusted circle, with your live location, the instant a real-world moment turns dangerous.

Family Protection

circle

One guardian for the whole household. You are alerted the moment anyone you love is targeted, with elder-protection tuned per person.

AI Security Coach

guidance

A calm companion that explains why something is risky, answers "is this real?", and teaches you the pattern so you spot the next one.

Digital Legacy

continuity

The secure, encrypted vault and hand-off for the accounts, keys and instructions that must survive you, controlled only by you.

Instant tools · try before you install
Scam ScannerPaste a message, link or wallet. Get a verdict in seconds.● Live now Safety ScoreYour digital-safety habits, scored out of 100, with fixes.Soon Scam MapWhat is being reported near you, refreshed as it lands.Soon Scam SimulatorSee how convincing modern scams are, in a safe room.Soon Browser ProtectionA warning before you reach a risky site, not after.Soon
Wie die KI wirklich arbeitet

Nicht "powered by AI".
Ein Risikowert, den Sie lesen können.

Ein einzelnes Signal ist meist harmlos. Ein Fernzugriffs-Tool läuft während echtem IT-Support. "Dringend" steht in einer echten Bankwarnung. Die Gefahr liegt im gemeinsamen Auftreten. Vilkax verbindet viele schwache Signale mit deterministischen Schutzmechanismen zu einem einzigen dynamischen Risikowert, und jedes Urteil kommt erklärt zurück. Die KI schärft die Erklärung. Sie setzt sich nie über den Schutzmechanismus hinweg.

Remote-access tool running
Urgency and secrecy pressure
Outbound transfer initiated
New payee, look-alike domain
Fused verdict
84
Block · human review

Why: a remote-access tool and urgency pressure while a transfer is initiated to a new look-alike payee. Any one is normal. Together they are the coercion playbook.

Best-engine-wins

Routes across multiple AI providers with a deterministic fallback. Always the best available answer, never a single point of failure.

Explainable

Every verdict ships with the reasons, the evidence and a confidence, plus a stable id for disputes and audits.

Private by design

On-device where it can be, PII-free decisioning where it must be. Your content is never training fodder.

Sharper every day

Every verified verdict feeds a fine-tune loop. The moat is our own data, labels and typologies, not a blocklist that stales overnight.

The stack underneath

One architecture, from the device to the enterprise.

Devices & surfaces
Phones, desktops, browsers, wallets, and the bank and partner APIs that call in.
Where signals enter
Protection layer
Real-time guardians across scam, fraud, identity and physical-safety moments.
Acts in the moment
Vilkax AI orchestration
Best-engine-wins routing across providers, with deterministic safeguards that AI can sharpen but never override.
The brain
Behaviour engine
Fuses many weak signals, intent, pressure, timing, co-occurrence, into one explainable risk score.
Reads intent
Threat intelligence
A live scam corpus, typologies, and an entity and fund-flow graph that connects the lure to the payout.
Sees the network
Continuous learning
Every verified verdict fine-tunes the models, so the whole stack gets sharper with each event.
Compounds daily
Enterprise intelligence
Anonymised, privacy-safe patterns power partner decisioning, and feed straight back into the engine above.
Closes the loop
The Vilkax Intelligence Network

Every person protected
makes everyone safer.

Consumer, business, signals, AI, threat and behavioural intelligence, protection. Everything feeds everything. This is the flywheel that turns a single scam check into a compounding advantage no single-lane vendor can copy.

Consumer and business share one brain. A scam a family reports at 2am sharpens the exact model a bank calls the next morning.
The network effect is the moat. The more people and institutions Vilkax protects, the more scam typologies it sees first, and the harder it is to catch.
It gets bigger over time, not staler. Blocklists decay overnight. An intelligence network compounds, because every event teaches it something new.
Privacy is preserved through it all. The patterns travel, never your content. Decisioning is PII-free, on-device where it can be.
Protection that spreads

One scan becomes a protected family.

The Scam Scanner is built to be shared. A person checks a suspicious message, gets a clear verdict, and sends it to the people they love. Every share is a protected household, and every protected household makes the engine smarter.

01

A message lands

Something feels a little off. A link, a wire request, a too-good return.

02

They check it

One paste into the Scam Scanner. No sign-in, no friction.

03

Vilkax explains

A plain verdict and the reason why, in seconds.

04

They share it

Straight to the family group. "You have to try this."

05

The pack grows

New people protected, inviting the people they love in turn.

Zwei Zugänge, eine Engine

Einen Menschen schützen. Eine Plattform schützen.

Für Menschen

Your own AI guardian for scams, fraud and dangerous real-world moments. One subscription protects everyone you love, on every device they carry.

Join early access

Für Institutionen

The same engine as a Protect API and a team console. Score any risk decision, screen any wallet, protect your staff and your customers. EU-built, explainable, fail-closed.

Explore the platform
Why Vilkax wins

Five reasons this becomes infrastructure.

01

Human-first protection

We guard the person in the moment of manipulation, not just the file, the password or the account.

02

AI-native from day one

Built proactive and explainable, not a legacy blocklist with a chatbot bolted on after the fact.

03

One engine, people and institutions

Consumer and enterprise on the same brain. The cross-domain view no single-lane vendor holds.

04

Privacy-first European architecture

EU-built, PII-free decisioning, residency by choice. Trust is the product, not the trade-off.

05

A compounding intelligence network

Every protected person and partner makes the engine sharper, and the moat wider, every single day.

Die Vertrauensschicht für das digitale Leben

Den Verlust stoppen,
bevor er geschieht.

Vilkax ist gebaut und in der QA. Treten Sie dem Gründungskreis bei, um als Erste geschützt zu sein, oder sprechen Sie mit uns über die Vertrauensschicht für Ihre Institution.