A hand-written library of documented fraud scripts, deterministic scoring you can inspect, and analysis that runs entirely in your browser.
Most checkers sell a confidence score and no reasoning. This one shows the rule that fired, the line that triggered it, and why it matters — and how the score is built.
Fraud operations run from playbooks. We maintain a structured library of documented scripts — nine archetypes, five behaviour areas, weighted indicators — assembled from FTC, FBI IC3, City of London Police and AARP guidance plus survivor reports.
Every point traces to an inspectable pattern match. Open the full taxonomy and read the rule that fired, weight and reasoning attached.
Analysis runs in your browser. The conversation is never uploaded or sent anywhere — an account records that an analysis happened, never what it said.
Fraud at this scale is not improvised one conversation at a time. Operations reuse the same stages, claims and pressure tactics across continents. Repetition is their weakness: anything repeated can be catalogued.
Romance and investment fraud is now the largest consumer fraud category on earth. The FBI's IC3 recorded $929.3m in reported US losses in 2025 — year-on-year increase — and the FTC counted $1.16bn reported to it in nine months. Individual investment-romance scams average $177k.
60% of victims were first contacted on social media rather than a dating app, roughly one incident in twenty is ever reported, and 94% of victims recover nothing. People who escape are overwhelmingly the ones who check before sending.
A score measures resemblance to documented fraud scripts. It is not a probability that a person is a criminal, a prediction, or a substitute for verification.
No analysis replaces these. They are what the report ends by pointing you at, and each one is a thing you can do in the next ten minutes.
Three weight bands, a cap on weak evidence, and a set of patterns that subtract. The whole scoring system fits on one page because it is meant to be read, not believed. The examples below are real indicators from the library.
| Band | Weight | What it means | A real indicator from the library |
|---|---|---|---|
| Weak signal | w = 1 | Common in ordinary conversation; counts for little on its own. | “Contacts you at extremely high frequency” — urgency is normal in human lives. |
| Meaningful signal | w = 2 | Unusual enough to matter, ordinary enough to have innocent explanations. | “Claims military deployment or overseas service” — a real job can also block a real video call. |
| Strong signal | w = 3 | Rarely appears outside a documented script. | “Supplies a wallet address” — the request to make the money unreturnable. |
Every indicator, every weight and every reason it exists. Nothing in the scoring is hidden from you.