Industries
Your platform moves money. When something goes wrong, it's your name on it.
Every payment your platform initiates carries your reputation. When a vendor payment goes to a fraudulent account, your customer loses money — and your platform answers for it. sikker.me is the trust layer you embed. Silent unless something is wrong (no alerts unless a registry-recorded change occurs). Registry-authoritative. Under three seconds.
BEC Prevention
The most common attack isn't a breach. It's a changed IBAN.
It works because platforms executing payments on behalf of their users have no way to know whether the destination account is legitimate. Registry verification closes this gap.
Before every payment executes, sikker.me cross-references the destination IBAN against the official government registry of the vendor's country. Mismatches trigger an alert before funds move — silently, at the API level, without adding friction to the user experience.
BEC losses — US, 2025
$3.05B
Business email compromise — the most common vector — works by changing a single field. Usually the IBAN on an invoice.
FBI IC3 Annual Report 2025.
Integration
One endpoint. White-label ready. Zero user friction.
POST /v1/verify
Pass: payee name, IBAN, jurisdiction
Receive: Confirmed / Mismatch / Unverifiable — under 3 secondsNo new UI surface
Integrate into existing payment approval flow
White-label verdicts
Surface as your own trust signals
Webhook support
Push alerts into your notification layer
Audit trail API
Sync records to your compliance system
Per-verification pricing
Scales with your volume
Regulatory risk
PSR / PSD3 introduces platform liability. Coming 2027–2028.
Under the incoming Payment Services Regulation (PSR), online platforms face direct liability for fraud that originates on their infrastructure — if they failed to remove notified fraudulent content or to cooperate with PSPs on fraud prevention. For embedded finance platforms: your payment flows will be in scope, your fraud controls will be examined, registry-sourced verification is the defensible standard. Building the trust layer now means demonstrating due diligence before the regulation arrives.
Agentic payments
Every conclusion must cite its source.*
As platforms deploy AI agents to execute payments autonomously, the liability question sharpens. When an agent pays a fraudulent vendor, the platform is the responsible party — not the agent, not the model provider.
FIS — inside 12% of the world's banks — just deployed agentic AML with this exact design requirement. Registry verification is the infrastructure layer that makes agentic payment execution defensible: every agent-initiated wire preceded by a timestamped, source-cited verification record.
* FIS/Anthropic announcement, May 2026.
User experience
Nothing. Unless something is wrong.
Payment proceeds, no interruption.
Alert surfaced in your existing UI. "Payee details cannot be verified — please review."
Flagged for manual review with guidance.
Your user experience is unchanged for legitimate payments. Fraud is surfaced at the moment it matters — before the wire.
Everything included
Everything you need to embed trust.
API-first
Single endpoint, clean JSON
White-label output
Brand verdicts as your own
Webhook alerts
Push to your notification system
Audit trail API
Full records accessible programmatically
SLA available
99.9% uptime for enterprise tier
GDPR-native
No payment amounts or personal data stored
Embed the trust layer. Start with a pilot.
Currently onboarding design partners in France, Italy, Germany.