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90% of companies hit by deepfake fraud in 2025
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Required by insurance — Now the industry standard

The New
Standard for
High-Value
Wire Approval.

Enforce cryptographic dual-approval using the FaceID or TouchID already in your pocket. Bank-grade security with a consumer-grade experience. Your insurance carrier will reduce your premiums—we provide the proof.

✓ 72-hour deployment ✓ No IT project required ✓ 30-40% insurance savings
TAP TO APPROVE IDENTITY CONFIRMED $60K TRANSACTION FROM CEO PayProtect · Console TRANSACTION PROTECTED AMOUNT $2,400,000.00 RECIPIENT Acme Corp — ****7821 STATUS SIGNED CRYPTOGRAPHIC SIGNATURE VALID · YUBIKEY FIDO2 PROTECTED VERIFIED TRANSACTION CRYPTOGRAPHIC PROOF ISSUED
$2.7B lost to BEC — US businesses, 2024 FBI report  ///  $25M stolen — Arup Hong Kong deepfake Zoom, 2024  ///  3,000% surge in deepfake fraud attacks since 2023  ///  Push bombing defeats traditional MFA in 73% of attacks  ///  $499K average loss per successful vishing attack  ///  92% of companies experienced deepfake-related financial loss  ///  $2.7B lost to BEC — US businesses, 2024 FBI report  ///  $25M stolen — Arup Hong Kong deepfake Zoom, 2024  ///  3,000% surge in deepfake fraud attacks since 2023  ///  Push bombing defeats traditional MFA in 73% of attacks  ///  $499K average loss per successful vishing attack  ///  92% of companies experienced deepfake-related financial loss  /// 
💸 $2.7B
Lost to BEC fraud (FBI, 2024)
🚨 73%
MFA defeated by push bombing
💰 40%
Avg insurance premium reduction
⚡ 72hrs
Time to full deployment

In 2026, if an attacker clones your voice, your team will click send.

It's not their fault—AI is just that good. Voice cloning takes 3 seconds of audio. Deepfake video is real-time. Your finance team cannot tell the difference, and asking them to "be more careful" is not a control.

The Scale: In 2025, over 90% of companies reported deepfake-related financial losses. This isn't a niche threat—it's a systemic vulnerability in how businesses operate. Banks are shifting liability back to customers, saying "You approved it with your 2FA, so it's your loss."

The Insurance Trap: Most cyber insurance policies now include "Social Engineering" exclusions. If you don't have Hardware-Verified Dual-Control documented in your security posture, carriers may deny your claim. We close that gap—and we provide the "Proof of Control" report your broker needs.

PayProtect removes the "human vulnerability" entirely. Every high-value wire requires a physical cryptographic handshake from two authorized individuals—using devices they already carry. This isn't about training your team to spot fakes. It's about making the attack impossible in the first place.

⚠️ Why single-approval is the vulnerability
01
🎙️ Voice Cloning: 3 seconds of audio. Cost: $20. Quality: indistinguishable.
02
🎭 Real-Time Deepfake: Attacker joins Zoom as "CEO." Face, voice, mannerisms—all perfect.
03
"Urgent" Override: "Wire $2M today. Don't discuss with anyone." Finance sends.
04
🚫 Insurance Denies Claim: "No hardware controls. Claim denied."
05
👔 Board Questions CEO: "Why didn't we have controls? This was preventable."

We've reached the tipping point. Human senses are no longer valid verification tools.

The Authorization vs. Authentication Gap: Standard bank 2FA (SMS, TOTP, push notifications) proves someone has your CFO's phone. It does NOT prove the CEO actually requested the wire. In the Arup $25M case, the employee had all the right passwords and 2FA—they simply believed the deepfake video was real and used their legitimate 2FA to send the money.

The "Push Bombing" Problem: Attackers now trigger 100 MFA push notifications until a busy executive clicks "Approve" just to make it stop. Over 73% of traditional MFA is defeated this way.

The Liability Shift: Banks are now saying "You approved it with your 2FA, so it's your loss." Insurance carriers add "Social Engineering" exclusions. Companies are left unprotected—until now.

PayProtect's 3 Strategic Advantages
01
Out-of-Band Integrity: Request and approval happen on separate devices with physical presence required. Hacked laptop? Doesn't matter—the approval device is isolated.
02
Cryptographic Non-Repudiation: Each transaction gets a unique cryptographic hash. If approved for $245,600, that exact number is wrapped into the hardware signature. Attackers can't intercept and change the amount.
03
Institutional Memory: PayProtect remembers vendor hardware IDs. If a vendor sends an invoice but their finance person's hardware signature doesn't match last month's, the system blocks it automatically.

Bank-grade security. Consumer-grade experience.

When a wire is initiated, you get a notification. You glance at your phone (FaceID). The wire is released. 10 seconds of effort for $10M of peace of mind.

Every iPhone and MacBook shipped since 2018 has FIDO2-certified biometric authentication built in. PayProtect leverages FaceID and TouchID as cryptographic approval—no extra devices to carry or lose. For maximum-security environments, we also support dedicated hardware keys (YubiKey 5 series).

Secure Email Gateway Integration in 72 hours. PayProtect sits as a secure listener on your finance alias (e.g., payments@company.com). It automatically parses wire requests and triggers the approval flow before the request ever reaches your bank portal. Native ERP connectors (SAP, NetSuite, Workday) available for Enterprise tier.

Step 01
Secure Email Gateway Integration
PayProtect monitors your finance email alias. Wire requests are intercepted and held for approval before reaching your bank portal.
Step 02
Intelligent Risk Scoring
System analyzes amount against thresholds, checks recipient against whitelist, flags unusual timing or velocity patterns.
Step 03
Dual-Approval Required
Both designated approvers (typically CEO + CFO, or CFO + Controller) receive secure push notification with full transaction details.
Step 04 — 10 Seconds
Glance at Phone (FaceID)
Each approver uses FaceID/TouchID (or hardware key for high-security). Generates cryptographic signature proving identity and intent. Takes 5 seconds per approver. No typing. No passwords.
Step 05
Wire Released + Proof of Control
Transfer approved. Both signatures logged with timestamps, device IDs, geolocation. "Proof of Control" report auto-generated for insurance broker, SOX, SOC 2 audits.

Beyond "preventing deepfakes":
Why CFOs pay $5K/month

The "Secret Acquisition" (The Arup Case)
A "CEO" calls from a "private location" (deepfake) demanding an urgent, secret wire for an M&A deal. Employee has all credentials and 2FA. Wire gets sent. PayProtect stops this because the "Secret CEO" doesn't have the physical key on their person.
The Vendor Bank Change (BEC 2.0)
Long-term vendor "emails" saying they changed their bank account. CFO approves the change via normal process. PayProtect blocks it because the vendor's hardware signature doesn't match the one on file from last month.
The Internal Rogue Actor
Disgruntled IT admin with Super Admin rights tries to add themselves as a temporary wire approver. PayProtect's dual-hardware rule means they'd need physical keys from two other executives to change permissions.
The Insurance Deductible Play
Company's cyber insurance has a $100K deductible for fraud. PayProtect costs $12K/year. CEO buys PayProtect because it's 10x cheaper than paying a single deductible—and prevents the claim entirely.

The "Seal of Approval" insurance companies require

You don't scale by selling hardware. You scale by becoming the standard that insurance carriers and boards demand before they underwrite policies or approve liquidity. PayProtect is the governance infrastructure for the post-trust era.

Biometric or Hardware Auth
Works with FaceID/TouchID on iPhones and Macs (FIDO2-certified). Optional YubiKey hardware keys for high-security environments. Your choice.
Secure Email Gateway
Monitors your finance email alias. Intercepts wire requests and triggers approval flow before reaching bank portal. 72-hour deployment. No code.
Mobile Approval App
iOS and Android. Push notifications. NFC YubiKey tap. Biometric unlock. Review and approve in 15 seconds.
Out-of-Band Verification
Approval channel is completely separate from request channel. Compromising email, Zoom, or phone does nothing.
Real-Time Risk Scoring
Automatic flagging of unusual amounts, new recipients, off-hours requests, and rapid-fire sequences.
Immutable Audit Log
Every approval cryptographically signed and timestamped. Exportable for SOX, SOC 2, and FINRA compliance.

Proof of Diligence:
Your monthly board report

CEOs don't just want to be safe—they want to prove to the Board and Auditors that they're safe. That's what truly closes deals at the executive level.

Every month, PayProtect generates your "Proof of Diligence" report:

  • 42 wires verified totaling $18M
  • 100% hardware-signed with cryptographic non-repudiation
  • 2 suspicious attempts blocked automatically
  • Zero liability exposure documented for insurance underwriting

This isn't just a security log—it's the document your insurance broker needs to negotiate premium reductions. It's what the Board wants to see when they ask "Are we protected?" It's your governance layer, not just a security tool.

Monthly Governance Report Includes
Executive Summary: Total transaction volume protected, approval success rate, risk incidents prevented
Cryptographic Audit Trail: Every signature timestamped with device ID, geolocation, and transaction hash
Compliance Certifications: SOX 404 internal controls, SOC 2 Type II operational security, FINRA 4210/4110 documentation
Insurance Submission Package: Pre-formatted evidence of dual-approval controls for cyber insurance carrier negotiations
Board Presentation Deck: One-page visual summary ready for quarterly board meetings

Calculate your exposure to suspicious transactions

Based on your transaction volume and risk profile, see how much fraud exposure you're carrying—and how PayProtect eliminates it.

Your Annual Fraud Exposure
$0
Total transaction volume: $0
Expected suspicious transactions: 0
PayProtect cost: $995/month ($11,940/year)
ROI: Block just 1 fraud attempt to break even.

Industry average: 0.5% of high-value transactions are attempted fraud. PayProtect blocks 100% of unauthorized attempts with cryptographic dual-approval.

Trusted by finance teams
who've seen the threat firsthand.

"We almost lost $50K to a deepfake Zoom call from our 'CEO.' Deployed PayProtect the following week. I sleep better now."

CFO, Series B SaaS CompanySan Francisco, CA

"Our insurer gave us a premium discount for deploying PayProtect. It paid for itself before we ever used it in anger."

VP Finance, Manufacturing FirmChicago, IL

"Setup was genuinely 72 hours. Email forwarding rule, YubiKeys overnight, app downloaded. Zero IT involvement."

Controller, PE-Backed Portfolio Co.New York, NY

Insurance-linked pricing. Pay less, protect more.

Clients working with partner insurance carriers see 25-40% premium reductions that offset PayProtect costs. Independent pricing available for all companies.

Executive Shield
$995
per month
  • 2 approvers (CEO + CFO)
  • Unlimited transactions
  • Biometric (FaceID/TouchID)
  • Email gateway integration
  • Mobile app (iOS + Android)
  • Basic audit log export
  • Email support
Start Free Assessment →
Enterprise
Custom
contact us
  • Unlimited approvers
  • Unlimited transactions
  • Native ERP integrations (SAP, NetSuite, Workday)
  • Direct bank API connectors (JPM, HSBC, Wells Fargo)
  • Custom SLA (99.99% uptime)
  • Dedicated account manager
  • On-premise deployment option
  • Insurance carrier co-underwriting available
Talk to Enterprise Sales →

Your voice can be cloned.
Your FaceID cannot.

Stop trusting ears. Start trusting math. Deployed in 72 hours with zero IT project required.

Lower My Premium → [email protected]