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tongdun

AI-driven decision intelligence and fraud prevention for financial services

Data & Analytics Growth Series D+, USD 246M+ raised
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Overview

Tongdun Technology is an AI-driven risk management and decision intelligence platform for financial institutions, headquartered in Hangzhou, China. Founded in 2013 by Tao Jiang (former technical director of risk management and anti-fraud at Alibaba) and Bryan Zhang, the company developed the AaaS (Analytics-as-a-Service) model for applying machine learning and big data to financial risk scenarios.

The platform delivers fraud detection, credit risk assessment, and anti-money laundering capabilities through a suite of modular products spanning identity verification, behavioral analytics, graph computing, and federated learning. Solutions are deployed via API and cloud integrations, supporting the full customer lifecycle from onboarding and pre-loan screening through transaction monitoring and post-loan management.

Tongdun serves over 10,000 enterprise customers globally -- including approximately 5,000 financial institutions and 5,000 internet companies -- with client retention rates around 95%. The company operates under two brand identities: Tongdun Technology in China and TrustDecision (launched June 2022) for international markets in Southeast Asia, the Middle East, and North America. Tongdun achieved unicorn status (USD 1B+ valuation) following its Series C round and has raised USD 246M+ total across seven funding rounds.

Products & Services

Zhice (AI Decision Intelligence Platform)

End-to-end decision automation covering identity verification, fraud detection, credit scoring, and behavioral analytics across the full risk lifecycle.

Key Features

  • Retail credit, SME credit, and customer value management modules
  • Anti-fraud and intelligent risk control workflows
  • Configurable decision policies for different risk scenarios

Target Users: Banks, consumer finance companies, insurance carriers

Tianke (Decision Engine)

Rule-based and ML-powered decision engine for configurable risk policy deployment.

Key Features

  • Transaction, credit, mid-loan, and merchant variants
  • Supports custom rule configuration and model integration
  • Real-time and batch processing modes

Target Users: Risk management teams at financial institutions

Mingmo (Model Platform)

Risk model development, training, and deployment platform.

Key Features

  • Standard scorecards and custom model development
  • Model lifecycle management and monitoring
  • Integration with Zhice for production deployment

Target Users: Data science and risk modeling teams

Yuntu (Knowledge Graph)

Graph computing technology for entity relationship mapping and fraud ring detection.

Key Features

  • Maps relationships between individuals, devices, and addresses
  • Detects synthetic identities and organized fraud rings
  • Real-time graph traversal for risk scoring

Target Users: Financial institutions with complex fraud exposure

Zhibang (Privacy-Computing Shared Intelligence Platform)

Federated learning platform for cross-institution data collaboration without exposing raw data.

Key Features

  • Multi-party joint modeling with data privacy preservation
  • Regulatory compliance-focused architecture
  • Supports shared fraud intelligence across clients

Target Users: Banks, insurers, fintech platforms

ApexDB

High-performance distributed KV database (Redis-compatible) for real-time risk decisioning.

Key Features

  • Million-level TPS with sub-millisecond latency
  • Share-Nothing architecture for horizontal scaling
  • Computation-storage integration for risk platforms

Target Users: Platform architects and DevOps teams at large financial institutions

Insurance-Specific Applications

Claims fraud detection, insurance pricing support, and policyholder lifecycle management.

Key Features

  • Real-time claims submission analysis using behavioral, device, and network signals
  • Risk scoring and customer segmentation for underwriting and pricing
  • Acquisition risk screening and ongoing policyholder monitoring

Target Users: P&C and life insurers, insurance carriers

At a Glance

Founded
2013
Headquarters
Hangzhou, Zhejiang, China
Employees
501-1000
Funding
Series D+, USD 246M+ raised

Category & Focus

Category
Data & Analytics
Subcategories
Fraud Detection Credit Risk Anti-Money Laundering Decision Intelligence Risk Scoring
Insurance Verticals
P&C Commercial Life & Annuity Specialty/E&S
Target Customers
Carriers, MGAs/MGUs

Customers

  • China Pacific Insurance (CPIC)
  • Sunshine Insurance
  • Huawei
  • 360 Security
  • VIPKID
  • Major Chinese state-owned banks and financial institutions

Links

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Last updated: 2026-05-18