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About UsJobsContactFrom forged pay stubs in retail lending to falsified bills of lading in trade finance, document fraud costs banks billions. VAARHAFT verifies every submitted document at the pixel level. In seconds. Directly within your credit and compliance workflow.
Trusted by leading financial institutions
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“Modern generative AI tools allow fraudsters to create photorealistic forged documents in minutes, pay stubs, bank statements, bills of lading, balance sheets. Traditional review processes were never designed for this threat.”
What this means for your institution:
VAARHAFT's Fraud Scanner analyses every submitted document at the pixel level, detecting AI-generation artifacts, font manipulation, metadata inconsistencies and copy-paste edits that bypass visual review.
VAARHAFT's Fraud Scanner detects forged and AI-generated documents regardless of how convincing they appear visually. Analysis operates at the pixel level: font rendering, compression artifacts, metadata coherence, and AI generative signatures.
Covers all document types in your workflow: pay stubs, bank statements, balance sheets, BWA/P&L, bills of lading, invoices, KYC/KYB documents, and more. Results in under 3 seconds via REST API.
Both products integrate via REST API into your existing loan origination, KYC/AML, and trade finance platforms, with no disruption to current workflows.
Ready to close the document fraud gap?
Book a DemoVAARHAFT protects every document-intensive decision point in your institution, from retail credit to complex trade finance structures.
Fraudsters submit invoices for services never rendered, present the same invoice to multiple factors simultaneously, or inflate transaction values on otherwise legitimate documents. In the most sophisticated cases, buyer and seller collude to create entire fictitious trade flows. VAARHAFT detects pixel-level document alterations, duplicate invoice fingerprints, and AI-generated forgeries, before you advance against fraudulent receivables.
Most fraud detection fails on documents that have been scanned, photographed, or emailed. VAARHAFT analyses authenticity after compression, format conversion, and multi-generation copying.
VAARHAFT detects forgeries from a single submitted file, no access to original templates, reference databases, or issuing authority systems needed.
Analysis completes in under 3 seconds via REST API, fast enough for straight-through processing in loan origination and KYC workflows.
Each analysis produces a structured report with confidence score and reasoning, suitable for regulatory documentation and dispute resolution.
No document data is stored after analysis. Processing is compliant with EU data protection requirements, including DSGVO/GDPR and EBA guidelines.
Single API covers pay stubs, bank statements, balance sheets, invoices, bills of lading, KYC documents, no separate integration per document type.
REST API with full documentation. Connects to any loan origination system, KYC platform, or document management workflow within one development sprint.
Analysts receive not just a score but a heatmap and structured reasoning, so every rejection is explainable to applicants and auditors.
Particularly relevant for corporate banking clients and internal finance teams exposed to social engineering via phone or video call.
Receive API credentials and connect to the REST endpoint. Full documentation available on docs.vaarhaft.com.
Submit documents via API at any point in your workflow, loan origination, KYC onboarding, trade finance submission, or factoring intake.
Receive structured JSON response with authenticity score, manipulation heatmap, detected anomalies, and full reasoning in under 3 seconds.
Route results into your existing credit decision, AML flagging, or case management system. Green/Yellow/Red output maps directly to approval workflows.
Technical specifications
ITC DIA Amsterdam
2024
Versicherungsforen Leipzig
2024
Insurtech Hub Munich
2024
insureNXT · InsurLab Germany
2024
Versicherungsforen Leipzig
2023
Yes. VAARHAFT is specifically designed to analyse documents after digitisation. Our models detect forgeries even when documents have been scanned, emailed, compressed, or photographed with a smartphone.
The Fraud Scanner covers pay stubs, salary certificates, bank statements, balance sheets, BWA/P&L statements, invoices, bills of lading, commercial registry extracts, KYC documents (passports, ID cards, utility bills), and more. Contact us for your specific document types.
Our models analyse the generative signature of documents produced by AI tools (GPT-4o, Claude, Gemini, etc.), including font rendering patterns, spatial layout artefacts, and statistical distributions that are characteristic of machine-generated text on document templates.
Yes. VAARHAFT provides a REST API that integrates with any LOS, KYC platform, or document management system. Integration typically takes one development sprint (1–2 weeks). We provide full technical documentation and dedicated integration support.
Yes. VAARHAFT processes documents without retaining data after analysis. All processing happens within EU data centres, and the service is designed in compliance with GDPR, DSGVO, and applicable EBA guidance on data handling in financial services.
SafeMic detects synthetic and cloned voices in real time. It is particularly relevant for corporate banking and treasury teams exposed to CEO/CFO fraud via telephone or video call, where attackers impersonate executives to authorise wire transfers. SafeMic integrates into your telephony infrastructure.
VAARHAFT achieves 99%+ detection accuracy on our benchmark datasets for document forensics. Accuracy on real-world submissions depends on document quality and fraud type, we recommend a pilot with your own document portfolio to establish institution-specific performance metrics.
A typical pilot runs for 4–6 weeks. We integrate the API into a sandboxed environment, analyse a sample of historical submissions (including confirmed fraud cases), and deliver a performance report with institution-specific accuracy metrics and ROI projections.
See in a 45-minute live demo how VAARHAFT integrates into your credit and compliance workflow, and how quickly you detect your first forgeries.
