CoffrSee how Coffr works
Coffr = Payments trust layer

The Payment FraudDefense Company

Verify the people, accounts, and bank details behind every ACH and wire instruction — before money moves.

See how Coffr worksTalk to Coffr

Cryptographic proof. Auditable forever. Backed by a $5M guarantee.

The scale

This is not rare. It is routine.

$3.05B

Lost to business email compromise in 2025.

FBI IC3

24,768

BEC complaints reported to the FBI in one year.

FBI IC3

$20.88B

Total internet-crime losses reported in 2025, up 26% year over year.

FBI IC3

It happens to real professionals at great companies

The average wire fraud incident is $127,000.

No malware. No system breach. Just a convincing email and a process with no hard stop.The fraud is invisible until the money is gone — and by then the only question left is who absorbs the loss.
Pencil sketch of a stressed office worker at a desk with his hand on his forehead.
Loss: $54 Million · Austria · 2016
Case: Business email compromise / CEO impersonation

The Finance Employee

He went to work that morning thinking he was doing his job well. The email looked exactly like every other instruction from the CEO. It had the right tone, the right urgency, the right language. He followed it.When the fraud was discovered, the professional shame was immediate. In cases like this, the employee is often the first one investigated. Careers end. Some are terminated even when they were the victim. Someone who spent years building a reputation for precision became the person who wired $54 million to criminals.
Pencil sketch portrait of a somber man in a suit standing in an office.
Loss: $54 Million · Austria · 2016
Case: Business email compromise / CEO impersonation

The Impersonated CEO

He never sent the email. He never authorized the wire. His name, his authority, and his voice were reconstructed by criminals and used against his own company.The executive who was impersonated carries the weight of knowing their identity was weaponized. The company survives. But the trust inside that finance department never fully recovers.
Pencil drawing of a distressed woman looking at a computer screen with a cross on the wall behind her.
Loss: $1.75 Million · St. Ambrose Catholic Parish, Ohio
Case: Vendor payment diversion

The Parish Administrator

This was a church. The money didn't belong to a corporation with a fraud reserve. It came from years of congregant donations, capital campaigns, bake sales, legacy gifts from people who had passed.The administrator who approved the wire was a trusted, longtime member of staff with no reason to suspect anything. That person now carries the weight of what happened — the betrayal of a community's faith, in every sense of the word.
What Coffr verifies

Four checks, one verdict.

Every instruction is resolved against the entity, the person, the account and the request itself — in real time, before the payment is sent.

The company

Legal entity, registration and standing confirmed against authoritative records — not against the email signature.

The professional

The person authorising the request is who they claim to be, at the company they claim to work for.

The account

Bank account ownership matched to the verified entity before a cent moves.

The instruction

The request itself is checked for diversion, tampering and impersonation, then sealed with cryptographic proof.

How it works

Five steps. Live in ten minutes or less.

  1. Connect your bank

    Secure, read-only link to your accounts. No passwords stored. No funds move through Coffr.

  2. Verify the counterparty

    Patent-pending cryptographic verification proves the company, the professional and the account in real time — before any payment instruction is sent.

  3. Share verified details

    Bank details move through Coffr's encrypted platform, not email or PDF. You pay through your existing system with confidence.

  4. Receive proof

    Cryptographic proof that verification occurred before the instruction ever reached your system. Auditable. Tamper-proof. Forever.

  5. Sleep soundly

    Your $5M guarantee protects every verified instruction for 90 days. Fraud passes our verification? We cover it.

The guarantee

$5M backed by up to 5 million in insurance capacity by AAA+ providers.

Real protection behind every verified instruction.If a Coffr-verified instruction turns out to be fraudulent, we cover the loss. Not fine print — capital.

The difference is the hard stop.

Today

  • Instructions trusted because the email looked right
  • Callbacks to a number in the email footer
  • No record of who verified what
  • Loss absorbed by you, and by the person who pressed send

With Coffr

  • Company, professional, account and instruction verified
  • Independent sources, never the sender
  • Permanent, tamper-proof record attached to every payment
  • $5M guarantee for 90 days on every verified instruction
Why Coffr

A trust layer, not another approval step.

Callbacks, checklists and hope stopped working. AI-accelerated fraud is growing roughly 30% a year and finance teams know it.

Immutable by design

Cryptographic verification creates an auditable record that cannot be faked, disputed or hidden. Every instruction is provable.

Built for humans, not enterprises

No complex workflows. No twelve-week implementations. The UX is based on apps your team already uses every day.

Patent-pending verification

Proprietary waterfall authentication combines institutional data, behavioural analysis and cryptographic proof.

Real money behind it

We back every verified instruction with real capital — a $5M guarantee per year, the largest published guarantee in the category.

Questions we get asked

Four things: the company, the professional authorising the request, the bank account, and the payment instruction itself. Each is resolved against independent sources rather than the sender.

Start the conversation.

Speak with our team about your payment workflow and see how Coffr verifies every instruction before money moves.

Book a demo

See how you can be live in 10 minutes or less.