Minerva / Oscilar

Minerva / Oscilar is a Cognitive AI risk decisioning platform for preventing payment fraud, managing credit risk and underwriting merchants. Founded in 2021, it is based in Palo Alto, California. The company was started by a co-founder of DataVisor and a former CTO of Rubrik.

Products

The listed products are real-time fraud decisioning, a generative AI risk copilot, a device and behavioural SDK, and KYB and merchant underwriting. Using one decision layer for fraud, credit and onboarding lets a lender or payment company apply consistent rules instead of running separate tools.

Customers and regions

Target clients are fintechs, PSPs, payment facilitators, neobanks, crypto firms and lenders. Coverage is the United States, Europe, Latin America and Asia-Pacific.

Commercial terms

The product is offered as enterprise SaaS and pricing is not published. Teams should ask how models are trained on their own data, how decisions are explained to regulators and how quickly new rules can be deployed.