Acoru is a Madrid-based cybersecurity and fraud-prevention company founded in December 2023 by Pablo de la Riva Ferrezuelo and David Morán. The pair are repeat founders in the space: they previously built Buguroo (later rebranded Revelock and acquired by Feedzai), where they developed behavioral and fraud-prevention technology protecting millions of banking users. With Acoru, they focus on a newer and fast-growing threat — AI-enabled fraud, money mule networks, and authorized push payment (APP) scams.
The Acoru Account Monitoring Platform takes an account-centric approach to fraud. Instead of only scoring individual transactions, it continuously classifies every first-party and counterparty account so banks can understand the risk profile of who is sending and receiving money. This lets institutions predict authorized push payments that are likely to be fraudulent, identify both witting and unwitting money mules, and spot potential scam victims before funds move.
A central differentiator is timing: Acoru is designed to flag risk before a transaction is initiated, rather than after the money has left. This pre-fraud, intent-detection posture aligns with a wave of regulation — including mandatory scam reimbursement rules in the UK and broader European payment directives — that pushes liability for scams onto banks and raises the cost of missing fraud.
The platform is built to fit into existing bank infrastructure. It can integrate with current fraud-prevention stacks or operate as a standalone solution, and it supports consortium-style intelligence sharing among financial institutions so that mule accounts and scam patterns identified at one bank can inform defenses at others. Industry analysts such as Datos Insights have highlighted Acoru's account-centric methodology.
In October 2025 Acoru raised a €10 million Series A led by 33N Ventures, with participation from existing investors Adara Ventures and Athos Capital. The company has grown to more than 30 employees and formed partnerships with banks and financial institutions, positioning itself as a specialized layer for predicting and preventing the AI-driven scams that increasingly evade transaction-only fraud systems.