How FanDuel shuts out fraud without turning real customers away
Every U.S. state and Canada sets its own rules for opening an account. FanDuel approves real customers in seconds and blocks organized fraud at the same door.
fewer customers wrongly blocked at sign-up, with no rise in fraud
more genuine customers approved on high-volume flows
the fraud-ring pattern Incode's collective intelligence exposed
Regulated betting, played across a continent
FanDuel is a regulated sports betting operator serving customers across U.S. states and Canada.
Every market sets its own rules for opening an account, and every new customer passes through the same front door: identity verification at sign-up.
Fraud and lost customers collide at sign-up
Regulated betting must verify every new customer at sign-up, under rules that change with each U.S. state and again in Canada. The collision plays out three ways:
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01
Stolen identities pass data checks
In one federal case, two people used about 3,000 stolen identities to defraud FanDuel and other operators of roughly $3 million. Data-only checks cannot stop someone who has bought the data.
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02
Organized rings farm the promotions
The same pattern shows up as rings: one real face reused across dozens of invented names and devices to farm promotions and drain accounts.
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03
Rules that block real customers
Rules strict enough to stop fraud also blocked real people, costly when each customer is worth so much.
FanDuel needed one check strict enough to stop organized fraud and forgiving enough to let every real customer in.
How FanDuel verifies every customer
Every new customer passes one automated check, tuned to the rules of the market they sign up in.
Biometric identity at sign-up
Identity Verification
A document scan and a live selfie prove a real, present person, not a stolen identity passing a data check.
Matched to government records
GovMatch
The ID and face are checked against government sources in each market, keeping FanDuel fully compliant in every state and in Canada as the rules change.
Risk AI Agent decides each case
Risk AI Agent
Risk AI Agent replaces hand-tuned pass/fail rules with a model that weighs every signal. It clears low-risk people the old rules wrongly rejected, still hard-fails what must never pass (underage, expired, or voided IDs), and shows the reason for each call.
Collective intelligence exposes the rings
Incode's collective intelligence solution links accounts by shared face and device, exposing rings where one person is behind dozens of identities that each pass verification on their own.
More real customers get in, fraud stays flat, and the rings that beat one-by-one checks are exposed.
How it works
Strict where it must be, forgiving where it can be
Tuned to every market
Every U.S. state and Canada sets its own onboarding rules, and the same automated check adapts to each.
Hard lines never move
Whatever the model weighs, underage, expired, and voided IDs always fail.
Every decision explained
Risk AI Agent shows the reason behind each approval and rejection.
Privacy is the architecture
Incode made privacy a founding conviction long before regulation or the market asked for it. Its AI-first identity verification reduces fraud while remaining private and compliant.
Testimonial
“Stolen data sails through a data check, because nothing about it is fake. Biometric verification asks a question stolen data can't answer, and that's exactly where the fraud stopped.”
Product Manager · FanDuel
What's next
See how Incode secures betting onboarding
Approve real customers in seconds and stop organized fraud at the same door, in every market you operate.