Business intelligence
Baselayer
AI-powered business identity verification, credit, and fraud detection for financial institutions
Baselayer provides business identity verification, fraud detection, and risk intelligence for financial institutions and fintech platforms using AI-driven
Overview
A look at baselayer.com
Baselayer is a SaaS platform that combines business identity verification, credit analysis, and fraud detection into one AI-powered system. It helps banks, fintechs, and financial institutions verify businesses, score risk, and monitor portfolios in real time.
The platform unifies public records, AI agents, and networked intelligence to detect emerging fraud trends and close gaps left by legacy KYB systems. It delivers instant, explainable decisions that reduce manual reviews and minimize human error through features like business verification, KYB rating, lien searching and filing, litigation detection, and portfolio monitoring.
Barelayer serves 2,300+ financial institutions including banks, credit unions, fintechs, marketplaces, payments companies, and SMB lenders. The platform is accessible via API, web console, and pre-built integrations, with implementation available in under 20 minutes for basic API requests.
Feature notes
- Business verification and identity confirmation
- KYB risk scoring with AI-powered insights
- Automated industry classification using AI
- Lien searching and UCC filing
- Litigation and bankruptcy detection
- Website and online presence analysis
- Portfolio monitoring with real-time alerts
- Fraud consortium intelligence network
- Risk Co.Pilot automated underwriting
- API and web console access
Pricing
Pricing model: Freemium
Startup plan: starting at $150/month (500-2,000 credits/month, 3 API keys). Growth plan: starting at $750/month (3,000-10,000 credits/month, 5 API keys, priority support). Enterprise: custom pricing with volume discounts typically 30-50% vs Growth tier, unlimited API keys, UCC lien filing, portfolio
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FAQ
- Do I need a contract to get started?
- No contract is required for Startup and Growth plans. You can sign up, add your card, and start verifying businesses immediately, paying monthly with the ability to upgrade or cancel anytime. Enterprise customers sign annual contracts for volume discounts and dedicated support.
- What happens when I run out of credits?
- You are never blocked when you exhaust your monthly credits. Additional searches draw from overage credits at a slightly higher rate, which appear on your next invoice. You can monitor your balance in the console and upgrade anytime for lower per-credit pricing.
- How does Baselayer compare to legacy providers?
- Baselayer delivers 20-40% higher business match rates with sub-5 second latency. It offers all 50 state registries refreshed daily or weekly, 99%+ match accuracy with no manual review, and sub-5 second P99 latency, unlike legacy providers running on outdated data and infrastructure.
- How long does implementation take?
- The web application is available immediately. Most developers complete their first Business Search API request in under 20 minutes. Complete multi-product verification workflows take 1-2 weeks, with implementation support from the Solutions team for Enterprise customers.
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