Gatekeeper

GatekeeperX is an artificial-intelligence-native platform for detecting, preventing and managing fraud and financial crime in real time. It positions itself as an end-to-end fraud prevention and AML system that helps businesses reduce fraud losses, raise transaction approval rates, avoid regulatory fines and cut the cost of running multiple point tools. Stated risk coverage spans onboarding through ongoing transaction monitoring, including fake accounts, identity theft, card cloning, impersonation, phishing, mobile device theft and SIM swap, across mobile apps, web, call centres and in-person channels.

The product set is organised as the "GX Ecosystem" of four solutions — GX, SolverX, DeviceX and IdentityX — which can be deployed independently or in an integrated fashion depending on a client's operations, maturity and transaction volume. The core GX platform includes a real-time decision engine with low-code rule workflows and rulesets, a feature store for building historical and calculated attributes, dynamic allow/block "Smartlists", a model manager for deploying and monitoring machine-learning scoring models, simulations in a sandbox before deployment, monitors and 24/7 alerts for anomaly detection, a manual review/case management queue, network and cluster analysis to surface fraud rings, an integration manager for third-party actions (including triggering 3D Secure from rules on both acquirer and issuer flows), reporting and analytics, and AI agents that create rules, automate investigations and explain decisions.

Founding story

GatekeeperX was founded by a team drawn from Latin American payments and fraud-prevention operations: CEO Carlos Ayalde, previously VP of Payments and Fraud Prevention at Rappi and General Manager at Stori, with 15+ years in payments, fraud prevention and lending; CTO Renny Hernandez, an engineering leader with 12+ years in backend systems and AI who built fraud prevention tools at Aplazo, Rappi, Oracle and Mercado Libre; Chief Data and AI Officer Martin Moreyra, who led development of proprietary fraud prevention tools at Mercado Libre/Mercado Pago and Rappi; and Chief Product Officer Diego Nieto, previously product manager at Idemia, Valid and PayU and VP of Product for Payments and Fraud Prevention at Rappi.

Business model

GatekeeperX sells its platform to businesses as a B2B software service, integrated via a single API and managed through a web console. Clients can adopt one or several of the four ecosystem products (GX, SolverX, DeviceX, IdentityX) according to their transaction volume and needs, with each client run on a dedicated cloud instance and supported by an assigned technical account manager during onboarding.

Traction

The company reports processing more than 40 million transactions per month and USD 500 million in processed total payment volume per month, a stated 14x monthly ROI for clients and payback in about three months. It also cites go-live times of four to six weeks. In 2025 it was named to Forbes' "100 Startups to watch in Colombia" list and NuMundo Ventures' Colombia Early Stage 100.

Latest developments

The company lists inclusion in Forbes' "100 Startups to watch in Colombia in 2025" and NuMundo Ventures' 2025 Colombia Early Stage 100. Its site presents the four-product GX Ecosystem, an AI agents module, network/graph analysis and a library of product demo videos.