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Vilkax is the AI protection platform for people, families and businesses. We started with a consumer guardian against scams and fraud, and we are building one intelligent ecosystem that prevents digital, financial, physical and AI-enabled harm before it happens.
Vilkax is an AI guardian that prevents scams before money is lost.
Most security reacts after the attack. Antivirus protects files. Banks protect accounts. Nobody protects the human in the moment they are being manipulated. That is where the money is lost, and it is the only thing Vilkax is built to protect, for a person and inside a bank's API on the same engine.
Voice cloning, deepfakes, and AI-written phishing turned a cottage industry into an industrial one, at the exact moment people run their whole financial lives from a phone. The loss curve is bending up, not down. Reactive tools cannot keep pace. The next generation of security has to be proactive, AI-native, and personal.
Fluent, personalised lures written and sent at industrial scale, for pennies.
A familiar face or voice is no longer proof of who you are talking to.
Scam compounds run playbooks that manipulate the human, not the machine.
More life, money and identity on a phone, across generations less equipped to spot the trap.
Small businesses run enterprise-scale money flows with consumer-grade protection.
Autonomous agents transacting on our behalf need a trust layer that travels with them.
Every force points the same way. The tooling that convinces a victim is now automated and cheap; the defence, for most people, is not. The world needs a proactive, AI-native guardian now.
Vilkax is a team of engineers and finance, risk and fraud professionals who have spent years on the operational side of payments: chargebacks, transaction monitoring, crypto risk, and the investigations that ordinary users never see. We understand how fraud evolves, and more importantly, how a victim actually thinks and reacts in the moment.
We were quietly disgusted by how most protection software treats the people it claims to protect. Grey dashboards. Permission walls that never explain themselves. AI that takes everything and shows you nothing back. Vilkax is the product we wished existed while working in fraud operations: professional fraud expertise, turned into calm protection for ordinary people.
Our credibility is not a slide. It is the connection between a real background in financial crime and the product that background produced.
One behavioural risk engine, exposed two ways. A consumer guardian across scam, fraud and physical-safety moments, and the same engine as a Protect API and team console for institutions. The capabilities are modules, not separate products, so protection compounds instead of fragmenting.
Real-time scam, phishing and fraud detection across SMS, links, email and calls.
Reads the intent behind a payment and steps in before the money moves.
Screens wallets and counterparties for drainers and scam proceeds before you sign.
One guardian for the household, plus a panic trigger that reaches your circle when a real moment turns.
Big platforms build general-purpose tools. Vilkax does one thing, digital trust and scam prevention, and compounds an advantage no single-lane vendor can copy quickly.
We see the consumer lure, the financial exposure and the on-chain payout as one story. A bank sees the wire. A KYT vendor sees the wallet. Vilkax sees that an inbound counterparty is receiving the proceeds of a romance scam, an angle no single-lane vendor has.
Every verified verdict, from a person and from a partner, feeds a fine-tune loop. The moat is our own data, our own labels and our own scam typologies, not a resold blocklist that stales overnight.
Every verdict ships with reasons, evidence and a confidence, with a stable id for disputes and audits. It is what a regulated institution needs and what a big-tech reflex-ship rarely delivers.
One focused team iterates on the fraud landscape weekly. We integrate across ecosystems instead of defending one, which is exactly what a platform cannot do without cannibalising itself.
EU-built, PII-free decisioning, data residency by choice. Trust is the product. That is hard to bolt on to an ads business.
If the market grows as we expect, the goal is to be the trust layer even larger companies choose to integrate rather than rebuild.
Reactive tools decay the moment the threat moves. Vilkax is the opposite. Every person and institution it protects feeds one intelligence network, so the product compounds. This is the flywheel investors underwrite: the more it is used, the harder it is to catch.
A single prevented fraud loss pays for years of protection, so the unit economics are forgiving by construction. Checks stay cheap and customers scale on usage, not seats.
Premium subscription in the range of EUR 5 to 10 per month. One plan covers the whole household.
Usage-metered fraud decisioning from EUR 149 per month. You pay per call, never per seat.
Banks and fintechs embed the engine inside their own apps. The platform play investors reward.
Uncapped licensing, EU-dedicated residency, and a path into identity, insurance and transaction protection.
The ROI is the loss never taken: a redirected wire, a drained wallet, a bust-out caught at the decision, not in next quarter's audit.
The value at stake is the loss pool: over a trillion dollars a year, and climbing. The market we sell into is the software that fights it, and every adjacent segment our one engine can serve is compounding at double-digit rates.
The digital-trust software our engine can serve: fraud detection and prevention ($65.7B by 2030), transaction monitoring and AML ($48B by 2031), digital identity (~$99B by 2030) and RegTech ($44B by 2030). Underneath it, a loss pool of $1T+ per year.
Our first-serve slice: the consumer scam-protection market plus scam-aware fraud decisioning and KYT for banks, fintechs, crypto and marketplaces, focused on the EU and English-speaking markets. Vilkax estimate.
A low single-digit share of that slice inside five years: founding consumer subscribers plus a first cohort of API and white-label partners. A target we intend to earn, not a projection. Vilkax estimate.
$485.6B in fraud-scam and bank-fraud losses in a year, inside $3.1T of illicit flows.
$40.9B received by illicit addresses in 2024, a lower bound likely to pass $51B on revision.
$308.6B a year in US insurance fraud, roughly $933 for every American.
$38.95B in global telecom fraud, about 2.5% of industry revenue, SIM swap and takeover led.
TAM component figures are third-party market estimates from the sources above. SAM and SOM are Vilkax estimates and forward-looking targets, not guarantees.
A product that markets itself, then a platform underneath it. Consumers give us the data and the trust. Institutions give us the revenue and the moat.
Launch the guardian and the free Scam Scanner. Growth is built into the product: a person checks a scam, gets a clear answer, and shares it with their family. Distribution through app stores, security communities and word of mouth.
The same engine sold to banks, crypto exchanges, fintechs, insurers and telecoms as scam-aware fraud decisioning. Land with a pilot on a single high-loss workflow, prove the loss avoided, expand.
Institutions embed the Vilkax engine inside their own products. The trust layer becomes infrastructure others build on, which is where the durable, platform-scale value lives.
Not a three-year feature list. A direction of travel. Each stage earns the next, and every stage runs on the same engine.
Engine, apps and API built.
Consumer guardian and free scanner.
Distribution and founding cohort.
Protect API for institutions.
White-label, embedded everywhere.
Cross-partner, compounding moat.
The layer others build on.
The next decade is autonomous. AI assistants will book, pay, negotiate and respond on our behalf, which makes a trust layer that travels with every action essential, not optional. Vilkax is built for that world: the same engine, expressed as a family of agents that watch, verify and step in.
A guardian that checks anything you are about to trust, and explains why.
Watches over the whole household, tuned per person, elder-aware by default.
Continuous account, device and identity defence that tightens up on its own.
Reaches your trusted circle with your location the instant a moment turns dangerous.
An always-on risk officer inside a company's payments, onboarding and payouts.
Not "just" cybersecurity. One platform protecting every part of a life as it turns digital, physical and autonomous. The same engine expands, surface by surface, over the next two decades.
Direction, not a shipping commitment. The engine is built to grow into this; each agent and surface earns its place as the market is ready.
We are pre-launch. What is unusually strong for this stage is that the product is built, not slideware. Our next milestone is turning validated demand into measurable adoption.
Consumer apps, a business console and the Protect API, across web, desktop and mobile.
Anyone can paste a message, link or wallet at vilkax.com/scan and get a verdict today. No sign-in.
Real, deployed decisioning and KYT routes with explainable verdicts, ready for pilot partners.
An invite-only circle forming now, ahead of the consumer launch.
Vilkax UAB, registered in Vilnius with a Barcelona hub. GDPR and AI Act aligned by design.
Own scam corpus, labels and typologies feeding a continuous fine-tune loop.
The architecture is not a prototype waiting to be rebuilt. It is designed for the audiences, geographies and regulation the plan calls for, which de-risks both the round and the grant.
Indicative allocation. Finalised with the round.
Not features. The structural advantages that hold as the company scales, and the ones a sophisticated investor underwrites.
We guard the person in the moment of manipulation, where the money is actually lost.
Proactive and explainable, not a legacy blocklist with a chatbot bolted on.
One engine, one moat. The cross-domain view no single-lane vendor holds.
EU-built, PII-free, residency by choice. Trust is the product, not the trade-off.
Every protected person and partner makes the engine sharper, and the moat wider, daily.
The strongest thing we can do is show you. Reach out for a live walkthrough of the engine, the consumer guardian and the Protect API, and the full deck.