Early Warning

XOR Data Exchange, Inc. has developed a permission-based data exchange platform aimed at addressing fraud and credit risk issues in the financial services and communications sectors. By enabling data owners to share information securely, the platform allows organizations to optimize and monetize their data while maintaining ownership and control. XOR Data Exchange also offers solutions to combat identity theft, including a compromised identity exchange and a patent-pending technology called Lumen, which identifies personal information on the Internet, including dark web sources. The company serves various clients, including credit card issuers, small business lenders, and sectors such as wireless and cable industries. Founded in 2014, XOR Data Exchange is headquartered in Austin, Texas.

Prove provides a phone-centric identity platform designed to enhance security and reduce fraud through the use of phone numbers. With over 1 billion identity tokens under management, Prove assists more than 1,000 companies and over 500 banks, including leading financial institutions, in securing their customer onboarding, digital services, and payment processes. The company offers two primary solutions: Prove Pre-fill™, which streamlines the onboarding process by authenticating consumer identities and auto-filling verified data, and Fonebook™, which provides a comprehensive identity authentication platform to manage customer phone numbers and create a unified customer view across various channels. Additionally, Prove offers multi-factor authentication options, including SMS and voice OTPs, instant link authentication, mobile authentication through cellular networks, voice biometrics, and app-based push authentication. These features enable secure transactions and enhance the overall customer experience across mobile, desktop, and in-store environments. Prove's services are available in 195 countries, underscoring its global reach in identity verification and fraud mitigation.

clearXchange LLC operates a network created by and for financial institutions that lets customers send person-to-person payments in the United States. It enables customers to send funds directly from their checking and savings accounts with the recipient’s mobile number or email address. The company was founded in 2011 and is based in Charlotte, North Carolina. As of January 12, 2016, clearXchange LLC operates as a subsidiary of Early Warning Services, LLC.

Prove provides a phone-centric identity platform designed to enhance security and reduce fraud through the use of phone numbers. With over 1 billion identity tokens under management, Prove assists more than 1,000 companies and over 500 banks, including leading financial institutions, in securing their customer onboarding, digital services, and payment processes. The company offers two primary solutions: Prove Pre-fill™, which streamlines the onboarding process by authenticating consumer identities and auto-filling verified data, and Fonebook™, which provides a comprehensive identity authentication platform to manage customer phone numbers and create a unified customer view across various channels. Additionally, Prove offers multi-factor authentication options, including SMS and voice OTPs, instant link authentication, mobile authentication through cellular networks, voice biometrics, and app-based push authentication. These features enable secure transactions and enhance the overall customer experience across mobile, desktop, and in-store environments. Prove's services are available in 195 countries, underscoring its global reach in identity verification and fraud mitigation.