UK Trust Registry · Financial Fraud Prevention

Stop Financial Fraud Before It Happens

Anansy is the UK’s Trust Registry for digital communications — helping financial institutions prevent APP fraud before your customer makes the payment.

Book a 15-Minute Demo → See How It Works
£85k
Max PSR reimbursement per case
57:1
Potential ROI on annual subscription
86%
Of APP fraud losses now reimbursed
Oct ’24
PSR mandatory reimbursement live
What is APP Fraud?

You sent the money yourself. Because you were tricked.

APP stands for Authorised Push Payment.
It means a bank transfer you made yourself — to a scammer.

This is what makes it different from other fraud. Your bank wasn’t hacked. Your account wasn’t broken into. You were fooled into pressing the button.

A scammer sends a message pretending to be your bank, HMRC, Royal Mail, or even a family member. It creates urgency:

“Your account has been compromised — act now.”  ·  “Parcel fee due: £3.49.”  ·  “Mum, I need help urgently.”

You panic. You trust it. You transfer the money. It lands in a scammer’s account. And it’s gone.

Until recently, banks could say “not our problem” because you authorised it. Since October 2024, they must now reimburse victims up to £85,000 — which means they’re very motivated to stop it happening in the first place.

£450.7m
Lost to APP fraud in 2024
224,000
Cases reported in 2024
£2,437
Average loss per victim
📱
A message arrives. It looks real.
A text from “your bank.” A WhatsApp from “HMRC.” An email from “Royal Mail.” It uses your name and looks exactly like the genuine thing. It isn’t.
⚠️
Urgency. Panic. Trust.
The message is engineered to short-circuit your thinking. You don’t question it. You react.
💸
You press send. The money moves.
Because you authorised the transfer, it happens instantly. The money lands in the scammer’s account and is moved on within minutes. Recovery is rare.
🏮
The bank picks up the bill.
Since October 2024, UK banks must reimburse victims up to £85,000 per case within 5 working days. Every undetected scam is a direct liability.
🛡️
Anansy stops it here — at the message.
Before your customer panics. Before they press send. Anansy lets anyone verify a suspicious message in seconds and gives a clear answer: real or fake.
The Problem

Your customers are being scammed. You’re paying for it.

Scammers impersonate your brand across SMS, WhatsApp, and email. Under PSR rules effective October 2024, you now pick up the bill — up to £85,000 per case, within 5 working days.

PSR Mandatory Reimbursement (Oct 2024)
Banks must reimburse APP fraud victims up to £85,000 per case. 86% of in-scope losses are now reimbursed. Every prevented fraud case is a direct cost saving.
FCA Consumer Duty (July 2023)
Firms must demonstrate they deliver good outcomes for customers. Proactive fraud prevention is an evidence-based measure. Anansy generates audit-ready compliance evidence automatically.
PSR Performance Data Published
For the first time, PSR names banks by fraud rates. Your fraud performance is now visible to customers and the market.
The gap existing tools can’t fill
BioCatch protects payment systems. Proofpoint protects email. Confirmation of Payee fires too late. None intercept the message before the customer acts.
£2,437
Average APP fraud loss per case in 2024. Preventing just one case per quarter delivers a positive return on your Anansy subscription.
Preventing 1 case per quarter saves up to £340,000/year in reimbursements.
Source: UK Finance Annual Fraud Report 2025; PSR APP Fraud Performance Data 2024
How It Works

Fraud prevention in three steps

Anansy operates upstream — intercepting the fraudulent message before your customer acts. No new app required. No disruption to existing systems.

01
🏛️
Register
Your organisation registers all official SMS, WhatsApp, and email communications in Anansy’s Trust Registry. Every authenticated message gets a tamper-proof record.
02
🔍
Verify
Your customer receives a suspicious message. They forward it to Anansy via WhatsApp. Within seconds they receive a clear verdict: genuine or fraudulent.
03
🛡️
Protect
The customer is warned before they act. Your fraud team gets a live impersonation intelligence dashboard. Compliance evidence is generated automatically.
The Business Case

The numbers speak for themselves

A bank on our Enterprise tier (£1,999/month) needs to prevent just one APP fraud case per quarter to achieve a positive return. With average losses of £2,437 and reimbursement obligations up to £85,000, the maths is straightforward.

  • Annual subscription from £5,988
  • Prevents fraud upstream — before payment is made
  • Generates FCA Consumer Duty compliance evidence automatically
  • Reduces fraud investigation operational costs
  • Improves PSR performance data rankings
  • Strengthens customer trust and brand integrity
Potential annual ROI
up to57:1
£340,000 in reimbursements avoided (4 cases × £85k PSR max) vs. £5,988 annual subscription on Starter tier.
ANNUAL SUBSCRIPTION FROM
£5,988 /year
Why Anansy

Built for the gap existing tools miss

Most fraud prevention operates after the customer has been convinced. Anansy operates where the fraud actually happens — in the message.

⚡
Upstream intervention
Anansy intercepts fraud before the customer acts — not after payment is initiated. Confirmation of Payee fires too late. Anansy fires at the message.
📱
Covers WhatsApp & SMS
Proofpoint and Mimecast protect email infrastructure. They have no presence in WhatsApp or SMS — the primary channels for APP fraud impersonation.
📋
FCA Consumer Duty compliance
Anansy’s compliance module generates audit-ready evidence of customer protection activity — directly satisfying Consumer Duty obligations.
🇬🇧
UK-first, independent
UK data residency, GDPR compliant, independent of Big Tech platforms. No dependency on Meta, Google, or any platform that may change policy.
Existing Solution What It Protects The Gap Anansy
BioCatch, Featurespace Bank’s payment systems Cannot verify messages before the customer acts ✓ Verifies before action
Proofpoint, Mimecast Bank’s email infrastructure No presence in WhatsApp or SMS channels ✓ WhatsApp + SMS + email
Confirmation of Payee Payment destination Customer already convinced by the time they pay ✓ Upstream of payment
Stop! Think Fraud Public awareness Education alone — no real-time verification ✓ Real-time verification
Regulatory Context

The window is now open

A convergence of UK regulatory action has created conditions that didn’t exist 18 months ago. Every month without proactive fraud prevention is a month of avoidable liability.

OCT 2024
PSR Mandatory Reimbursement
Banks must reimburse APP fraud victims up to £85,000 within 5 business days. Creates immediate, quantifiable ROI for every prevention tool deployed.
JUL 2023 → ONGOING
FCA Consumer Duty
Requires financial firms to demonstrate good customer outcomes. Proactive fraud prevention is a direct, evidenceable Consumer Duty measure.
2024–2025
PSR Performance Data Published
For the first time, PSR publishes bank-level fraud rates by name. Competitive pressure is now public and visible to the whole market.
2025
UK Fraud Strategy
Cross-government strategy signalling sustained commitment to fraud prevention. Validates the market for private-sector solutions.
MAR 2025
Online Safety Act Enforcement
Ofcom’s first Codes of Practice enforced from March 2025. Increases demand for independent verification infrastructure.
ONGOING
Ofcom SMS Sender ID Consultation
Active consultation on mandatory sender ID registration. Either outcome creates the infrastructure gap that Anansy fills.
Early Pilot Programme

Be first to protect your customers

We’re inviting a select group of UK financial institutions to join our early pilot programme. Get ahead of your PSR performance data, generate Consumer Duty compliance evidence, and prevent fraud upstream — before it costs you.

Book a 15-Minute Call → ceo@anansy.app
Scotland-based · UK data residency · GDPR compliant · Independent of Big Tech