Case Study: Qube Money reduces fraud to 0.1% and achieves 285% ROI with Sift

How Qube Money proactively blocks fraud before it happens

Qube Money is a digital banking and budgeting app that uses “qubes” (digital envelopes) and a Default Zero spending model to help customers control spending. Despite strong product-led defenses and average customer savings of about $400/month, Qube faced identity theft, account takeover fraud, risky international transactions, and an early fraud-ring attack that cost the company tens of thousands—risks the startup couldn’t afford as it scaled.

To stop fraud before it entered the platform, Qube implemented Sift’s Payment Protection, leveraging 16,000+ signals and a Sift Score at account creation, plus watchlists, network linking (IP, phone, email), one-click suspensions, and Stripe cross-referencing. The result: more than 10,000 fraudulent accounts blocked, a 0.1% fraud rate, and a 285% ROI, enabling faster operations, reduced downstream KYC/AML needs, and secure growth.

Qube Money

Jay Anderton

Chief Executive Officer