Account takeover (ATO) fraud happens when a malicious actor gains unauthorized access to a legitimate user’s account. This can occur through breached / stolen credentials, phishing, or brute-force attacks. Once inside, attackers can steal personal data, commit fraud, make payments, or impersonate the user. It's one of the most common and damaging forms of digital fraud across industries like banking, ecommerce, gaming, and subscription services.

Darwinium uses a layered approach to ATO prevention. It combines behavioral biometrics, device profiling, network intelligence, and historical interaction analysis to assess risk in real time. In contrast to other solutions, Darwinium prioritises both journey-level intelligence, and behavioral identification, to ensure that more complex types of AI-driven account takeover attacks do not bypass legacy protections. Responses can be tailored to the risk, including blocking access, step-up authentication, or alerting fraud teams.

Yes, and it’s one of Darwinium’s strengths. Many ATO attempts rely on automation, like credential stuffing or scripted login attempts. However, these are becoming more complex, adopting low-and-slow attack patterns or more "human-like" behaviors. Darwinium separates genuine customer behavior from clever automation or click farm behavior. It uses deep behavioral intelligence as well as behavioral biometrics data to analyze interaction patterns, mouse movement, touch behavior, typing cadence. This allows the system to detect both basic bots and more sophisticated, human-like automation that traditional systems often miss.

No, Darwinium is designed to work silently in the background, analyzing each interaction without interrupting genuine users. It only introduces additional steps, like extra authentication, when there’s a clear risk. This means trusted users can log in and use your services seamlessly, while suspicious behavior is stopped before it becomes a problem.

Threats can be identified, intercepted and remediated in real time. Darwinium can deploy decisioning at the edge (via CDNs such as Cloudflare, AWS CloudFront and Akamai), enabling it to analyze requests, perform risk assessments, and respond in milliseconds. Whether it’s blocking a transaction, stepping up, or redirecting a user, account takeover protection can be configured as a proactive, rather than reactive strategy.

Yes. Darwinium continuously monitors login velocity, failed attempt patterns, and repetition across devices and IP addresses. It can detect when multiple login attempts are made using different credentials from a single source, or when a known good user suddenly begins logging in from high-risk locations or devices. This enables early detection of automated credential attacks, even if individual attempts appear benign.

Yes. Darwinium gives you full control over the response to risk signals. You can define custom logic based on risk scores, device reputation, behavioral anomalies, or specific signals. Actions can range from blocking a login attempt, triggering multi-factor authentication, tagging the user for review, or even modifying content dynamically. This flexibility allows you to tailor security controls to your business and user base.