About Coffr

Protect the person behind the transaction.

Coffr, LLC is a company focused on one narrow problem: the unprotected exchange of bank details that sits underneath nearly every B2B payment.

Every year, businesses lose billions of dollars to a single failure mode. A finance team receives an email, from a real vendor, or one that looks close enough, with new bank details. They update the record. The next invoice pays a stranger.

The mechanism is not sophisticated. It works because the layer underneath it, how two companies exchange the numbers that route a payment, was never designed to be verified. Voided checks travel as PDF attachments. Routing numbers get pasted into email bodies. There is no signature, no provenance, no way for the receiving side to prove what was sent.

Person firstEvidence before commitment
WhatHowWhy
01What drives us

Why

Protect the person accountable for the payment.

Person first

How

Establish trust through layered verification and durable evidence before money moves.

Evidence before commitment

What

A pre-payment trust platform built for the workflows where payment decisions happen.

Company, people, account
02Where it began

We started with the research.

Payment Fraud isn't just about Money. It's about People.

Our research shows fraudulent payments are targeted, not careless, and the impact extends far beyond financial loss.

Verification → Decision → Ledger → Proof

A decision you can prove later.

VerifyCheck identity, account and risk signals
DecideCreate decision and supporting evidence
AnchorCryptographic proof anchored to a public ledger
ProvePreserve evidence for audit or dispute

Disclosures

  1. Coffr, LLC carries insurance for its own benefit. That insurance does not cover you, your payments or your funds, and Coffr does not guarantee any payment. Coffr does not hold or transmit customer funds. See the Terms of Service.
  2. "Verified" means the identity, business and bank account checks shown passed on the date shown. A verification confirms who you're paying at that time. It doesn't guarantee that a payment will reach the intended recipient.
  3. Coffr records a cryptographic fingerprint of each verification on a public ledger run by independent organizations. Fingerprints contain no names, bank account numbers or tax IDs, and they can't be changed or deleted.
  4. Sources: ACH volume, Nacha 2025 ACH Network volume; online crime losses, FBI IC3 2025 Internet Crime Report.