Feedzai vs Pagaya

Feedzai has a disclosed valuation of $2B, while Pagaya's valuation is not publicly available, making a direct size comparison difficult. Feedzai employs 600 people.

Pagaya has raised more in total funding at $600M, compared to Feedzai's $277M — a gap of $323M. Combined, the two companies have completed 4 known funding rounds.

Both Feedzai and Pagaya share the same Awaira Score of 70/100. The Awaira Score is a composite metric that factors in valuation, total funding raised, company stage, employee count, and market category.

Feedzai was founded by Nuno Sebastiao in 2011. Pagaya was founded by Gal Krubiner in 2016. Visit each company's profile on Awaira for a full founder biography.

Feedzai: Feedzai is a Portuguese AI company founded in 2011 that specializes in financial crime prevention and risk management solutions. The company develops machine learning and artificial intelligence platforms designed to detect and prevent fraud, money laundering, and other financial crimes across banking, payments, and fintech sectors. Feedzai's core technology leverages advanced analytics and behavioral modeling to identify suspicious transactions and patterns in real-time, enabling financial institutions to mitigate risk while reducing false positives that impact customer experience. The platform serves global financial institutions, including major banks and payment processors. Feedzai operates in the competitive financial crime technology space, competing against established vendors and newer fintech startups. The company's approach combines graph-based analytics, machine learning, and domain expertise in financial crime detection. Its solution suite covers fraud prevention, anti-money laundering (AML), and sanctions screening, addressing regulatory compliance requirements across multiple jurisdictions. Feedzai has achieved a $2.0 billion valuation following Series D funding rounds totaling $277 million. The company operates globally with significant market presence in Europe, North America, and Asia-Pacific regions. Its growth trajectory reflects increasing demand for AI-driven financial crime prevention as regulatory pressures intensify and transaction volumes expand. The company remains privately held and continues expanding its product capabilities and customer base. Feedzai combines behavioral AI with financial crime expertise to serve the compliance-critical banking sector at scale. Pagaya: Pagaya operates an AI financial underwriting network that processes consumer loan applications on behalf of lenders, using machine learning models that evaluate creditworthiness across a broader set of data signals than traditional credit bureau scores, enabling lenders to approve more applicants while maintaining or improving default rates. The Tel Aviv and New York company monetises by taking a network fee on loan volume processed through its AI underwriting system, funded by institutional investors who purchase the approved loan pools.\n\nThe company went public on NASDAQ via SPAC merger, having raised over $600 million in combined public and private funding from investors including Oak HC/FT and Viola Growth. Pagaya reports processing hundreds of billions of dollars in loan applications annually across personal loans, auto loans, and mortgage products, with network partners including SoFi, Ally Financial, and US Bank embedded in its origination technology. The business model operates as an AI network sitting between lenders who originate applications and institutional investors who fund approved loans.\n\nPageya competes in the AI credit underwriting market against ZestFinance, Upstart, and traditional credit bureau scoring models from Fair Isaac. Its network model, where multiple lenders access the same AI infrastructure and their collective data improves model performance over time, creates compounding advantages compared to single-lender AI implementations. The company has navigated regulatory scrutiny around AI lending decisions and disparate impact as financial regulators increase oversight of alternative data use in credit decisions.

Feedzai was founded first in 2011, giving it 5 years of additional market experience. Pagaya was founded later in 2016. In AI, even a year or two of head start can translate into significantly more training data, customer relationships, and institutional knowledge.

Feedzai has approximately 600 employees, while Pagaya has approximately 500-1000. A larger team often signals higher revenue or venture backing, but in AI, smaller teams are increasingly capable of building at scale.

Yes, Feedzai and Pagaya are direct competitors — both operate in the AI Finance space and likely target overlapping customer segments. This comparison is especially relevant for buyers evaluating both platforms.