VALID Systems helps banks, credit unions, and fintechs catch more deposit fraud while giving customers faster access to their funds. VALID analyzes behavioral and transaction patterns to score every check deposit in real time, across teller, ATM, and mobile, before the funds-availability decision is made.

InstantFUNDS and CheckDetect reduce fraud losses and false-positive holds while driving fee revenue. The VALID Intelligence Platform uses behavioral signals across the portfolio to drive account growth and reduce attrition. VALID fits into existing workflows and has decisioned more than 450 million accounts, processing $4 trillion annually.