February 12, 2026 # One Year of RiskOS® From Fragmented Stacks to Programmable Identity Infrastructure A year ago, we launched [RiskOS](/content/solutions/riskos/index.html) with a very clear conviction: identity and risk decisioning were about to become foundational infrastructure for the internet. AI had already begun reshaping how products are built and how companies operate, but it was also fundamentally changing fraud. [Synthetic identities](/content/glossary/synthetic-identity/index.html), deepfakes, device farms, automation at scale, these were no longer edge cases. The volume and sophistication of attacks were accelerating faster than traditional identity providers could adapt. Most organizations were still stitching together point solutions, hardcoding logic, and relying on static workflows in a world that had become dynamic overnight. RiskOS was transformed for this new reality. In its first year after the [acquisition of Effectiv,](/content/effectiv-acquisition/index.html) RiskOS orchestrated more than 122 million identity, authentication, fraud, and risk decisions across more than 100 enterprise customers. Monthly volume ramped from under one million calls to more than 25 million in January 2026 alone. That growth is meaningful, but what matters more is what it represents: the market validating a new model for how identity infrastructure should operate. [When we launched RiskOS](/content/news-and-press/riskos-launch/index.html) following the acquisition of Effectiv in February 2025, our ambition was not to introduce another tool into an already crowded stack. It was to replace the stack entirely. [Identity](/content/glossary/digital-identity/index.html), [fraud](/content/glossary/identity-fraud/index.html), [compliance](/content/blog/regulatory-compliance/index.html), authentication, device intelligence, and orchestration were being managed as separate systems. Every shift in fraud patterns required engineering sprints. Every vendor swap required new integrations. Every regulatory change created new complexity. Leaving you at risk. We believed there was a better way. RiskOS unified identity and fraud decisioning into a programmable system powered by [Socure’s Identity Graph](/content/products/graph-intelligence/index.html) and Device Graph. Instead of asking which API to call next, teams could define how they wanted to solve a problem and orchestrate the right mix of signals, models, and workflows inside one platform. That shift, from fragmented tools to a unified operating layer, is what turned orchestration from a concept into infrastructure. ## The Impact of an Integrated Identity Infrastructure Today, RiskOS serves as the decisioning layer for fintechs and banks [modernizing onboarding](/content/use-cases/onboarding/index.html) and account security, marketplaces protecting both sides of their networks, e-commerce platforms unifying login and payments risk, gaming and prediction markets expanding across regulated states, [global enterprises standardizing workforce](/content/use-cases/workforce-verification/index.html) and [business verification](/content/use-cases/business-onboarding/index.html), and public sector agencies protecting taxpayer programs. What began as a modernization effort in the U.S. has [become a global](/content/news-and-press/riskos-global-expansion/index.html), multi-use-case platform. The results over the last year reinforce why this model works. Customers have increased fraud capture by as much as 38 percent at high precision, reduced homeowner fraud by 26.5 percent in marketplace environments, and converted fully manual KYB workflows into 73 percent automated decisioning. Integration timelines have compressed dramatically. In Q2 2025, the average time to first production call was more than 41 days. By Q4 2025, that number had fallen to under 10 days. And with [Hosted Flows](/content/use-cases/hosted-flows/index.html), teams can now deploy fully branded onboarding experiences in hours without custom UI builds or heavy engineering lift. Those improvements are not incremental. They directly impact growth and efficiency. Higher approval rates translate into more funded accounts and greater lifetime value. Faster activation accelerates time to revenue. Automation reduces the need to scale analyst headcount linearly with volume. Vendor consolidation lowers total cost of ownership while improving performance. Identity infrastructure is no longer just about compliance; it is a lever for revenue and operating leverage. ## Expanding Use Cases Supported in RiskOS Over the last twelve months, we also expanded the use cases supported by RiskOS significantly. - Global KYB extended orchestration into business verification across markets - Workforce Verification addressed the accelerating [fraud challenges in hiring and contractor onboarding](/content/blog/workforce-verification-to-stop-fake-applicants/index.html) - Global expansion enabled instant decisions across countries - [Next-generation Age Assurance](/content/use-cases/age-assurance/index.html) introduced jurisdiction-specific compliance workflows for platforms navigating evolving regulatory requirements [Local Graph](/content/news-and-press/socure-launches-local-graph-in-riskos/index.html) integrated enterprise-specific intelligence directly on top of Socure’s global graph, creating a customer-centric, longitudinal view of identity risk. As decision volume grows, so does the intelligence inside the system. More decisions strengthen the graph. A stronger graph improves approval accuracy and fraud detection. Better outcomes attract more customers, which in turn generate more signal. That flywheel effect is powerful and increasingly difficult to replicate as Socure distances ourselves from the pack. ### Opening Up RiskOS to Any Data Provider We also deepened the ecosystem. RiskOS now integrates more than 180 partners across identity data, fraud intelligence, compliance tools, and payments signals. Bring Your Own Provider became a core capability, enabling organizations to orchestrate internal models, proprietary signals, and third-party data alongside Socure intelligence in a single workflow. Risk is not solved by a single signal; it is solved by composing the right signals intelligently and dynamically. ### Using AI to Fight Fraud in RiskOS In October, [we introduced the RiskOS AI Suite](/content/news-and-press/riskos-ai-suite-launch/index.html). AI is no longer confined to scoring transactions behind the scenes. It now assists analysts, optimizes rule sets, explains model decisions, and continuously refines workflows based on real-world outcomes. Fraud has become automated; defense must be adaptive and automated as well. RiskOS is evolving from reactive defense to intelligent, continuously improving decision infrastructure. ## Continued Acceleration Towards the Future Looking ahead, the focus is acceleration. We are introducing a guided, self-serve path that enables teams to activate production-grade identity and fraud decisioning in hours, without friction. We are expanding explainability and rule optimization capabilities to deepen transparency and continuously enhance performance. And we are bringing more of the Identity Graph directly into workflows through SocureID, Global Device ID, and proactive risk alerts, enabling organizations not just to respond to fraud but to anticipate it. Year one proved that orchestration works, customers are demanding it and that the market is ready to move beyond fragmented stacks where data, solutions and the software are independent. The next phase is about scale, deeper proprietary graph intelligence, further connecting disparate data points and enabling a 360 degree view of which while embedding programmable identity infrastructure into the core of how modern companies operate. [RiskOS](/content/solutions/riskos/index.html) is not middleware layered on top of existing systems. It is becoming the operating layer for digital trust at every single touch point, in an AI-driven world. And we are just getting started. ### Johnny Ayers Johnny Ayers is founder and CEO of Socure. Since founding the company in 2012, he has had a number of roles, including managing and leading strategy for the Direct Sales, Channel, Product, and Growth organizations. Johnny has been instrumental in building the company's tremendous customer base and suite of industry-leading digital identity verification and fraud prevention solutions. He is also a frequent expert speaker on fraud, authentication, and KYC/AML, and has been quoted in publications such as the WSJ, Forbes, Bloomberg, Thomson Reuters, Cheddar, PYMNTS.com, and more. In 2022 he was awarded Ernst & Young’s Entrepreneur of the Year, Finovate Executive of the Year, and has been named by Goldman Sachs as one of the top 100 Entrepreneurs of 2021 and 2022. Outside of Socure, Johnny is an investor in and an advisor to companies including; Acorns, Alloy, Astra, Bask, BillGo, Chipper Cash, Commerce Ventures, Curve, MoCaFi, and more.