Coffr = payments trust layer

The Payment Fraud Defense Company

Verify the people, accounts, and bank details behind every ACH and wire instruction.

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Cryptographic proof. Auditable forever. Backed by a $5M guarantee.

02 · The scale

This is not rare. It is routine.

$0.00B

Lost to business email compromise in 2025.

BEC complaints reported to the FBI in one year.

$0.00B

Total internet-crime losses reported in 2025.

Source: FBI 2025 Internet Crime Report

03 · It happens to real professionals at great companies

The average wire fraud incident is $127,000

Pencil sketch of a stressed office worker at a desk with his hand on his forehead.

The Finance Employee

Case: Business email compromise / CEO impersonation

Loss: $54 Million · Austria · 2016

He went to work that morning thinking he was doing his job well. The email looked exactly like every other instruction from the CEO. It had the right tone, the right urgency, the right language. He followed it.

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The Finance Employee

When the fraud was discovered, the professional shame was immediate. In cases like this, the employee is often the first one investigated. Careers end. Some are terminated even when they were the victim. Someone who spent years building a reputation for precision became the person who wired $54 million to criminals.

Pencil sketch portrait of a somber man in a suit standing in an office.

The Impersonated CEO

Case: Business email compromise / CEO impersonation

Loss: $54 Million · Austria · 2016

He never sent the email. He never authorized the wire. His name, his authority, and his voice were reconstructed by criminals and used against his own company.

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The Impersonated CEO

The executive who was impersonated carries the weight of knowing their identity was weaponized. The company survives. But the trust inside that finance department never fully recovers.

Pencil drawing of a distressed woman looking at a computer screen with a cross on the wall behind her.

The Parish Administrator

Case: Vendor payment diversion

Loss: $1.75 Million · St. Ambrose Catholic Parish, Ohio

This was a church. The money didn't belong to a corporation with a fraud reserve. It came from years of congregant donations, capital campaigns, bake sales, legacy gifts from people who had passed.

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The Parish Administrator

The administrator who approved the wire was a trusted, longtime member of staff with no reason to suspect anything. That person now carries the weight of what happened - the betrayal of a community's faith, in every sense of the word.

Pencil sketch of a distressed contractor in a hard hat talking on a mobile phone.

The Contractor

Case: Vendor payment diversion

Loss: $1.75 Million · St. Ambrose Catholic Parish, Ohio

He finished the job. His crew had already been paid - by him, on good faith, before the church's payment arrived. Weeks later, he called to ask where his money was.

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The Contractor

The contractor, a small business, went months without payment they had legitimately earned. The ripple hit people who never saw it coming.

Graphite sketch of a woman sitting on the edge of her bed at dawn, looking down at her phone.

The CFO

Case: Phishing for ACH credentials

Loss: Vendor payment diverted · Manufacturing company

She checked her email before she got out of bed. It was a Tuesday. The notification looked exactly like every other Microsoft alert she had seen. Eight minutes later her entire email account belonged to someone else and she had no idea.

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The CFO

For weeks after that, she ran her company, made decisions, sent sensitive information, approved payments - all while someone was watching every word.

Pencil sketch of a distressed IT professional standing in a server room.

The Healthcare IT Professional

Case: Malware and credential theft / ACH takeover

Loss: $840,000 · Healthcare company

In healthcare, $840,000 is staff. It is equipment. It is the margin that keeps a small regional clinic alive. In documented cases involving smaller practices, losses at this scale have triggered layoffs within 90 days.

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The Healthcare IT Professional

The IT person who was supposed to catch it sometimes becomes the scapegoat - even when the breach originated in software the organization didn't control.

Pencil sketch of a man sitting at a table looking distressed with his hands clasped.

The Ubiquiti Finance Team

Case: Fraudulent invoice / fake vendor

Loss: $46.7 Million · Ubiquiti Networks · 2015

No malware. No system breach. Just convincing emails and a process with no hard stop on large international wires.

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The Ubiquiti Finance Team

The day the loss was disclosed, the stock dropped. Shareholders who had nothing to do with the fraud absorbed part of it immediately. Approvals slowed. Vendor relationships strained. The operational cost of that cultural shift often rivals the original loss.

Pencil drawing of a distressed woman in an office talking on the phone beside a screen of paycheck issue alerts.

The Payroll Administrator

Case: Account takeover via payroll diversion

Loss: Multiple employee direct deposits rerouted

The fraud was invisible until payday, when employees called HR saying their paychecks never arrived.

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The Payroll Administrator

She is the one who has to answer those calls. She is also a victim - her credentials were stolen through phishing and her system was used against the people she was responsible for protecting.

Graphite sketch of a weary theatre producer leaning over paperwork spread across his desk.

The Theater Producer

Case: Unauthorized ACH debit via stolen account numbers

Loss: 18 months of unauthorized withdrawals

Eighteen months. The debits were sized to look like a recurring bill he might have forgotten about. That is the design. Small enough to blend in.

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The Theater Producer

It is a slow violation. Someone has been inside your financial life, quietly, for a year and a half. That reconciliation alone costs thousands in accounting time and pulls the owner away from running the business.

Sketch of a woman in a business suit with a vice president name tag in a fraud prevention training room.

The Bank Vice President

Case: Insider fraud

Loss: $2.3 Million over 10 years · Regional Alabama bank

Ten years. She sat in meetings about fraud prevention. She trained people on compliance. She had relationships with customers, colleagues, a reputation in the community.

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The Bank Vice President

She knew every control - she may have designed some of them. And for a decade she used legitimate system access to pay her own bills through ACH. It surfaced only when an audit flagged anomalies in her approval patterns.

1 / 10

Every one of these losses began with an instruction that looked completely legitimate. Here is what it costs to make certain yours are.

04 · Guarantee

$5M

Backed by up to 5 million in insurance capacity by AAA+ providers.

Real protection behind every verified instruction.

05 · Pricing

Substantially lower cost than your current manual verification.

Empower your finance team with peace of mind in every transaction.

Pricing scales with your transaction volume. Talk to us and we will size it against what verification costs you today.

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06 · Engage with Coffr

Start the conversation

Speak with our team about your payment workflow and see how Coffr verifies every instruction before money moves.

See it live

A 30-minute walkthrough of verification on your own payment workflow. Live in 10 minutes or less.

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Size it for your volume

Pricing scales with transaction volume. Sales will map it against what verification costs you today.

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