Case Study: Zirtue reduces fraud losses to 1.6% and saves 14–18 weekly manual-review hours with Sift

How Zirtue keeps relationship-based lending honest and safe

Zirtue is a US-based mobile app that enables relationship-based lending between friends and family with automated ACH payments. As the platform grew rapidly, it faced rising friendly fraud (users disputing authorized payments), very limited customer data, and a slow, manual vetting process that cost the team many hours and threatened the need for an additional hire.

By adopting Sift’s Payment Protection and global data network, Zirtue automated risk scoring and workflows to block high-risk accounts and surface connected fraudulent accounts. Within three months fraud losses fell to 1.6% of previous levels, manual review time dropped by 14–18 hours per week, the extra hire was avoided, and the team could focus on improving the user experience.

Zirtue

Will Traweek

Data Analyst