Incognia launches system to detect payment scams before money moves

Incognia has launched Real-Time Scam Prevention, which analyzes historical location patterns and physical relationships between payment senders and recipients to flag authorized push payment (APP) scams before transactions complete. Its Trusted Locations tech pinpoints devices to under nine feet, and the Physical Social Graph maps connections based on physical proximity.

• Location accuracy is under nine feet, down to floor and apartment level
• 80% of legitimate payments were between first-degree connections
• Under 3% of payments lacked a third-degree link but held 65% of scams
• FTC: consumers reported $3.5 billion lost to impersonation scams in 2025