Trustmi is a behavioral artificial intelligence payment security platform purpose-built to help prevent B2B payment fraud, including transactions initiated under False Pretenses, business email compromise, vendor impersonation, invoice manipulation, and payroll redirection, before money moves. Founded in 2021 and headquartered in New York, Trustmi correlates signals across the entire payment life cycle, from vendor onboarding through email communications, procurement, invoices, approvals, and final payment execution, to deliver a real-time SAFE/UNSAFE verdict on every payment. In 2025, Trustmi protected more than $240 billion in business payments and prevented $6 billion in losses caused by cyber fraud and human error.

The solution integrates natively with SAP, NetSuite, Oracle, Coupa, and more than 30 other enterprise systems. Trustmi is SOC 2 Type 2 certified.

Benefits of being a Nacha Preferred Partner:

Trustmi became a Preferred Partner to support industry best practices as participants implement the processes and procedures required under Nacha’s 2026 fraud monitoring requirements, and to contribute to broader fraud risk reduction across the ACH Network. Trustmi provides tools that may assist non-consumer Originators and TPSPs in strengthening fraud mitigation efforts through:

• Bank validation.
• Risk-based continuous monitoring.
• Pre-payment screening.
• Annual review documentation.

Trustmi also addresses the most complex objective: combatting payments authorized under False Pretenses before money moves. Traditional account validation tools confirm whether a bank account exists but do not assess whether a payment request was induced by deception. Trustmi evaluates the legitimacy of the payment request itself by correlating behavioral signals across email, ERP, vendor records, and payment systems simultaneously, helping identify fraud that can appear authorized under existing controls.

How Trustmi helps advance the ACH Network:

Trustmi advances the ACH Network by addressing the credit-push fraud problem at its source: payments that are technically authorized but induced through misrepresentation of identity, authority, or account ownership - what Nacha's 2026 Rules define as False Pretenses.

Using cross-system intelligence and behavioral AI, Trustmi establishes entity-specific baselines for vendors, invoices, and payment relationships, continuously scoring deviations in real time across the full payment life cycle. Every ACH payment receives an automated SAFE/UNSAFE verdict before it reaches the ACH Network, supporting Nacha's requirement for risk-based processes and procedures to identify transactions suspected of being unauthorized or authorized under Fales Pretenses. Each decision is logged with the evaluated risk signals and resulting outcome, helping organizations satisfy Nacha’s annual review and auditability requirements, without adding operational burden to already-stretched finance and treasury teams. 

To learn more about Trustmi, visit trustmi.ai.