Why now
The documents that pass today are the losses of tomorrow.
A paystub or damage photo can look flawless and still be forged.
As models improve, the human eye falls behind.
01The shift
Forgery went digital faster than review did.
- 2023PhysicalForgery was still mostly paperCut-and-paste edits a trained reviewer could catch
- 2024+244%YoY rise in digital document forgeryEntrust Identity Fraud Report, 2025
- 202557%of document fraud is now digitalDigital forgery passed physical forgery
- Now~50%human accuracy on AI-generated images56-study meta-analysis, 2024
02What you are up against
Two things hide in the files you accept.
Changes you cannot see
A salary bumped, damage painted in, a seal copied. Looks real to a reviewer.
Instructions you are not meant to read
Text hidden inside a file to steer the AI that processes it.
03What happens today
The fake gets trusted before anyone checks.
The forged document is trusted the moment it arrives. You find out at repurchase or payout, after the money is gone.
Citadel checks the file first, then returns a verdict your workflow can act on, before you fund or pay.
04The case
A defensible signal your systems can act on.
Detection moves from a person to a signal
A reviewer can flag what they happen to notice. A signal runs on every file, returns a verdict, and leaves an audit trail you can defend.
Reading a file is not checking it
The tools that pull the text out of a document read it faithfully, including content that should never have been trusted. Tidying a file into neat fields does not confirm it is genuine.
When nobody looks at the file
A clear allow, review, or block has to land before anything acts on the document.
05Common questions
The honest scope.
- Does this replace our verification or document-reading vendor?
- No. Citadel sits beside them and verifies the document itself, so the content they read is content you can trust.
- Is this full fraud detection?
- No. We verify the file is genuine before your workflow acts on it. We do not claim full fraud detection. See the Product page for what we do and do not claim.
- Where do we start?
- One workflow. Income documents before you fund a loan, or claim evidence before you pay a loss.
On your files
See what your intake is already missing.
Bring a sample from live intake. We'll walk the edits and fakes your reviewers and automation miss, before they reach a decision.