White-Label Infrastructure · Forward to Verify

Your brand. Your service. Our invisible infrastructure.

Anansy powers banks’ own “Forward to Verify” fraud services. Customers forward suspicious texts to your short code and get an instant, branded answer. No call. No hold. No Anansy name in sight.

£42.5k
Bank’s share per fraud case
£8
Cost per “is this real?” call
50%
Expected call deflection rate
<10s
Verification response time
The Problem

Three cost layers. One solution.

When a customer gets a suspicious text, every outcome costs the bank money. Ignore it, click it, or call about it — there’s no free option today.

£42,500
Fraud reimbursement per case
Since October 2024, banks must reimburse APP fraud victims up to £85,000, split 50:50 between sending and receiving bank. The UK saw 269,000 claims in year one, with £173m reimbursed. Even a handful of cases wipes out hundreds of thousands.
£8
Per “is this message real?” call
Each call ties up a trained agent for 10 minutes to answer a question that could be resolved in seconds. A mid-sized bank handles roughly 15,000 of these calls per year. At scale, a six-figure annual cost that delivers no lasting value.
Reputation & regulatory exposure
The PSR now publishes each bank’s fraud data publicly. The FCA told every bank CEO that inadequate scam warnings count as harming customers under Consumer Duty. Scam text reports rose 40% in one year. Poor fraud performance is no longer a private problem.
£2.61m
Combined annual cost per bank from fraud reimbursement (£2.55m at just 5 cases/month) and call centre queries (£60k at 15,000 calls/year).
The fraud team is under pressure from all three directions at once. And the best tool most banks offer today is a phone number and a hold queue.
Sources: PSR SD20, Oct 2024; UK Finance 2025; PSR APP Scams Reimbursement Dashboard Q3 2025
How It Works

One webhook. One short code. Live in weeks.

Banks send messages through services like Twilio or Sinch. Anansy adds one webhook alongside the existing pipeline. One line of code. No rebuilds.

01
🔌
Integrate
One webhook added to the bank’s existing SMS pipeline. Every outbound message gets a digital fingerprint registered with Anansy. The bank does this on their systems — we never see the message.
02
📱
Forward
Customer receives a suspicious text. Instead of calling, they forward it to the bank’s dedicated short code. No app download. No account needed. Just forward.
03
🔎
Match
Anansy normalises the forwarded message, fingerprints it, and compares against the bank’s registry. Match = genuine. No match = the bank didn’t send it. Inconclusive = routed to human team.
04
Verdict
A branded response arrives in under 10 seconds: “Yes, we sent this” or “No, we didn’t — don’t click any links.” The bank’s name. The bank’s branding. Not ours.
The Business Case

Two tracks of savings. Each stands alone.

Anansy saves banks money in two distinct ways. Together, they compound. All figures per bank, per year.

Track 1
Preventing scams before they cost
A customer checks a suspicious message before acting. The verdict: “No, we didn’t send this.” Scam stopped. No payment moves. No reimbursement claim. Assume Anansy prevents just 5 cases per month — a tiny fraction of what any bank with over a million customers faces.
Cases prevented / month5
Cost per case (bank’s share)£42,500
Annual savings£2,550,000
Track 2
Cutting “is this real?” call costs
The customer who would have called now forwards the message and gets an answer in 10 seconds. The call never happens. At 50% deflection of 15,000 annual calls at £8 each:
Calls deflected7,500
Annual cost saved£60,000
Agent time freed1,250 hrs
Combined annual savings per bank (baseline)
£2,610,000
Track 1 dominates. But Track 2 is the easiest to measure in a pilot — call deflection shows up in 90 days of live data. Plus automated compliance evidence for PSR reporting, FCA Consumer Duty, and board reviews.
At 10 cases/month: £5.16m · At 15 cases/month: £7.71m
Zero-Knowledge Architecture

Built to not know

Anansy never sees, stores, or has access to bank customer messages. This isn’t a promise — it’s how the system is built.

The bank creates a digital fingerprint on its own systems using SHA-256 cryptographic hashing and sends only that fingerprint to Anansy. We never get the actual message. When a customer forwards a suspicious text, we fingerprint it, compare, then immediately delete it.

If someone hacked Anansy, they’d find random letters and numbers. No names, no messages, no account details. Nothing usable.

For banks evaluating us, this removes the data protection concern entirely. There’s no customer data to protect. The usual months-long data review shrinks dramatically. This is a design choice, not a privacy policy. You can’t breach what doesn’t exist.

🏛️
Bank side: Message fingerprinted on bank’s own systems. Only the hash leaves their environment.
🔒
Anansy stores: Meaningless character strings. No message content. No customer data. No names.
🔄
On verification: Forwarded message fingerprinted, compared, immediately deleted. Nothing persists.
🛡️
If breached: Attacker finds random character strings. No exploitable data. Nothing usable.
Who Benefits

Clean sales dynamic. One product, three wins.

The Customer
Answer in 10 seconds, not 10 minutes
Forwards a suspicious text. Gets a clear, branded answer from their bank. No call, no hold queue, no stress. Customers who currently ignore suspicious messages now have a one-tap way to check.
Head of Fraud / CRO
Fewer losses, automatic evidence
Fraud hotline calls drop 50%. Reimbursement costs fall. Compliance evidence is automatic. Has a concrete answer for the board: “This saves your money and gives you the evidence you’re asking for.”
Head of Customer Ops
Team refocused on complex cases
Call volume drops. Satisfaction scores improve. Team focuses on complex cases and vulnerable customers. 1,250 hours per year redirected from repetitive questions to high-value work.
Why Anansy

“Why don’t we just build it ourselves?

The first question any bank will ask. A bank could build the hash matching. But “could build” and “should build” are different questions.

Speed: 6 weeks vs 12–18 months
Anansy deploys a working pilot in 6–8 weeks. An internal build means scoping, architecture review, security assessment, dev, QA, pen testing, compliance sign-off. The Head of Fraud has a board asking “what are we doing?” now. Not in 15 months.
🔄
The normalisation problem
Building hash matching is the easy part. Making forwarded messages match reliably is the hard part. WhatsApp prepends metadata. Android and iOS handle line breaks differently. Carriers strip content. Anansy’s normalisation spec improves with every real message across every bank.
🌐
Cross-bank intelligence
When a smishing campaign targets one bank’s customers on Monday, Anansy’s network flags it. By Tuesday, every other participating bank recognises it. An internal build sees only its own customers.
📋
Maintenance & liability
An internal build is a permanent operational commitment: updating normalisation specs, maintaining short code integration, monitoring accuracy, security patches. Anansy absorbs all of it. The bank’s IT team adds a webhook and moves on.
Banks don’t build their own SMS gateways — they use Twilio. They don’t build their own payment rails — they use Faster Payments. Anansy is the same category: invisible infrastructure that does one thing well so the bank doesn’t have to.
Existing Solution What It Protects The Gap Anansy
BioCatch, Featurespace Bank’s payment systems Cannot verify messages before customer acts Verifies at the message
Proofpoint, Mimecast Bank’s email infrastructure No presence in SMS channel SMS + WhatsApp
Confirmation of Payee Payment destination Customer already convinced by the time they pay Upstream of payment
Phone hotline Customer enquiries £8/call, 10 min wait, no lasting value 10-second automated check
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. 269,000 claims in year one. £173m reimbursed. Prevention became a cost-saving measure, not just a PR exercise.
JUL 2023 → ONGOING
FCA Consumer Duty
FCA told every bank and building society CEO that inadequate scam warning processes count as harming customers. Every Anansy verification generates automatic compliance evidence.
2024–2025
PSR Performance Data Published
For the first time, PSR publishes bank-level fraud rates by name. In Scotland, fraud complaints jumped 37%. Poor fraud performance is now visible to customers, competitors, and the press.
Product Roadmap

Day one value. Network effects over time.

One bank gets full value immediately. As more banks join, intelligence compounds. A scam targeting one bank becomes a known threat for all.

MVP
H2 2026
SMS + WhatsApp verification. White-label branding. Dashboard. Webhook API. Pilot with 2–4 institutions.
Scale
2027
In-app API. Email verification. Cross-bank threat sharing. 8–15 clients.
Network
2028
Full Trust Registry. Voice verification. API marketplace. Multi-institution threat intelligence.
Platform
2029+
International expansion. BaaS integrations. Cross-industry applications beyond banking.
Early Pilot Programme

Be first to protect your customers

We’re inviting a select group of UK challenger banks and building societies to join our early pilot programme. First pilot live in 6–8 weeks. Every bank after that: 2–4 weeks.

Scotland-based · UK data residency · Zero-knowledge architecture · No customer data held