Incandor
Incandor is a YC Spring 2026 (P26) company. Based in San Francisco, CA, USA.
About Incandor
Summary
Incandor builds behavioral intelligence infrastructure for banks and fintech platforms, replacing rules-based fraud detection and black-box risk scoring. It maps how every user physically interacts with a device, capturing mouse dynamics, keystroke timing, scroll patterns, and mobile hold posture, then uses that map to surface account takeovers, coordinated fraud rings, mule handoffs, coerced sessions, and bot activity. Fraud teams query the map directly through a programmable API, with no requirement for prior fraud labels or historical data.
Business model
API access to the behavioral intelligence platform.
Go-to-market
Banks and fintech platforms are the buyers; fraud and risk teams access detection capabilities through a programmable API, indicating a developer- and analyst-facing integration model.
From the Y Combinator listing
Behavioral intelligence infrastructure for anti-fraud
Incandor detects fraud on banking and fintech platforms by learning how every user physically behaves — mouse dynamics, keystroke timing, scroll patterns, and on mobile, how they hold their phone. Founded by two Stanford engineers and backed by Y Combinator, Incandor builds a behavioral map of every user on your platform — no fraud labels or historical data required. At the individual level, it identifies account takeovers with >99% accuracy. At the population level, coordinated rings, mule operators, and coerced sessions separate out naturally. Rather than a black-box risk score, fraud teams query the map via a programmable API.
Facts
- B2B / B2B
- San Francisco, CA, USA
- Active
- Early
Founders (2)
- Luc Rosenzweig
- Matthew Yekell
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