New startup ideas · B2B, security and compliance · Security and compliance
startup idea
Claimyard
Marketplace turning scam, fraud and privacy losses into funded, aggregated consumer claims.
A consumer uploads what happened, screenshots of a romance scam, an unauthorized P2P transfer, a data misuse notice, and a no-code intake agent classifies the claim, pulls the paper trail from the bank or platform, and posts it to a marketplace of licensed attorneys, arbitration filers and litigation funders who bid to take it on contingency.
- Marketplace
- Consumer
- $100B+ market
- Network effects, winner takes most
- US first
5/5
venture judge
0
similar startups, last 2 years (8 all-time)
83%
of 4 nearest real companies still alive
yes
2 matching federal grants and programs
Direction supported by government programs and grants
Test it before you build it
$1,000 · 5 weeks · 20 prospects
For $1,000 in 5 weeks, prove California consumer attorneys will prepay a flat fee for verified, document-complete P2P fraud claim packages, and that victims will supply them.
Riskiest assumption · California consumer attorneys will pay a flat, non-contingent fee per verified claim package, the only structure state bars permit, at a price high enough to cover human verification, rather than continuing to treat small Zelle and Venmo losses as un-fileable.
1Focus group: who and where
A solo or small-firm consumer protection attorney in California, 1 to 10 lawyers, who already files EFTA, Reg E and UCL claims against banks and P2P apps and currently turns away Zelle and Venmo victims because intake and document collection cost more than the small claim is worth
where to find 20 · The NACA member directory filtered to California and electronic-fund-transfer practice; Consumer Attorneys of California membership and its local events; the NCLC Consumer Rights Litigation Conference this fall; Avvo and Justia consumer protection listings for California as a backfill channel
2Sell first, build later
Verified P2P fraud claim packages delivered ready to file: complete documents, timeline and damages, human-checked, first 5 delivered within 30 days of the pilot order, up to 10 a month after that
the ask · $500 prepaid pilot covering the first 5 packages, then a flat $100 per package
a real yes · A paid $500 pilot invoice or a signed pilot order with money moved is a yes; 'send me cases and I will look' with no payment, praise for the sample package, or an offer to split fees later is a no
3Small experiments
The first one attacks the riskiest assumption; each ends with a number that says whether to run the next.
1. Attorney take-rate calls
$150 · 12 days
Book 15 twenty-minute calls with attorneys from the NACA and CAOC lists. Show one hand-built, anonymized sample package for a Zelle scam: screenshots, bank denial letter, timeline, damages worksheet. Ask two numbers: would you take 10 of these a month, and what is a package like this worth to you as a flat fee.
keep going if · 8 of 15 say they would take volume, and 5 of 15 name a flat per-package price of $150 or more
2. Victim intake supply test
$650 · 14 days
Stand up a plain landing page with an intake form requiring screenshots and the bank's denial letter, free to the victim. Spend $500 on Google Ads against searches like 'Zelle scam refund denied California'. One founder reviews every submission for completeness within 24 hours.
keep going if · 25 completed intakes with documents attached, at under $20 in ad spend per completed intake
3. Prepaid claim-flow pilot
$200 · 14 days
Hand-verify the 10 best intakes into full packages. Offer the 10 warmest attorneys a pilot order: $500 prepaid for their first 5 verified packages, a flat $100 each, deliberately never a share of recovery so the structure stays on the lead-generation side of fee-splitting rules. Invoice the same day they say yes.
keep going if · 3 of 10 attorneys pay the $500 pilot invoice within 10 days
4Collect a deposit up front
Tesla took $1,000 refundable reservations for the Model 3 and $100 for the Cybertruck before building either: the deposit is the measurement, not the revenue.
$500
per prospect, refundable
how · A prepaid pilot invoice signed by the attorney of record: $500 up front for 5 packages at a flat rate, chosen because a flat non-contingent fee is the only instrument this buyer can pay without triggering fee-splitting rules, and small firms pay vendor invoices without procurement set up: Stripe Invoicing ↗
what it reserves · First-priority routing of California P2P fraud claims in the attorney's counties for 90 days and the $100 per-package rate locked for the pilot
refund · Any of the 5 packages not delivered within 90 days is refunded at $100 each.
target · 3 prepaid pilots totaling $1,500 from 10 offers within 21 days
before taking money · Charge attorneys only flat per-claim fees and never a share of recoveries, have California legal-ethics counsel review the pilot order before the first invoice, and give victims no legal advice at intake.
Go: build it if
3 of 10 attorneys prepay $500, attorneys price a package at $150 or more, and 25 documented victim intakes arrive from $500 of ads at under $20 each: build the intake agent.
Kill: stop if
Fewer than 2 of 10 attorneys pay anything up front, or the price attorneys will pay per package is under $75, or fewer than 10 complete intakes arrive from $500 of ads: stop.
5 Scripts to run itoutreach message, landing copy, deposit terms · click to open
outreach message
You already file Reg E and UCL claims against banks, and you probably turn away Zelle and Venmo victims whose losses are too small to justify your intake time. I verify those cases and hand you complete packages: screenshots, the bank's denial letter, timeline and damages, all checked by a human before you see them. Flat fee per package, never a share of your recovery. Can I get 20 minutes this week to walk you through a sample package and see whether you would take ten a month?
landing page
Ten verified P2P fraud claims a month, documents complete $500 prepaid covers your first 5 packages, then a flat $100 each, never a share of recovery Book a 20-minute sample package review
deposit terms
You prepay $500 for your first 5 verified claim packages, a flat $100 per package that never touches your fee or your client's recovery. Payment reserves first-priority routing of California P2P fraud claims in your counties for 90 days at the locked $100 rate. Any package not delivered within 90 days is refunded at $100.
Would you run this test?
One tap. The yes-share feeds the Demand pillar of this idea's score; nobody sees who answered.
Budgets are out-of-pocket estimates for a team of one to three, US market. Size the deposit to the deal, and check the terms before taking money in a regulated line.
Scorecard
One score that balances how trendy the idea is, the demand for it and its potential for 100x, with competition measured relative to every other idea in the catalog. Recent startup trends first, government priorities second.
94
Idea Score, 0-100 · raw 58.6 x 1.60
Open
competition: more crowded than 6% of ideas · headwind x0.97
+1.2
government priorities, secondary (2 matching grants)
Trend
49
Is the wave forming now? 2025-26 entrants vs 2023-24, rounds since 2025, the sector's live-batch direction, the 2026 trend analyst.
- Entrants 2025-26 vs 2023-24 (similar companies)23
- Rounds announced 2025+ in the sector47
- Sector direction (live batch)100
- 2026 trend analyst25
Demand
51
Does anyone want it? YC's current RFS, companies already paid for something similar, the operator judge, founders' yes-rate in decks, readers who would run the test.
- YC asks for it (current RFS: idea / sector)60
- Someone already pays (similar companies, recent / all-time)67
- Operator judge: real pain25
100x potential
84
Can it return a fund? The venture judge (double weight), market-size and moat axes, neighbours still alive, the technologist judge.
- Venture judge100
- Market size axis100
- Moat axis100
- Neighbours still alive81
- Technologist judge25
Score = 100 x cbrt(Trend x Demand x 100x) x (1 - 0.5 x crowding) + government bonus (max 5), calibrated so the 95th-percentile idea scores 90 (order never changes). A geometric mean: a weak pillar cannot be papered over. Percentiles are among the 272 ideas in the catalog; the terms matched were marketplace, turning, scam, fraud, privacy, losses, funded, aggregated.
The idea in full
- What
- A consumer uploads what happened, screenshots of a romance scam, an unauthorized P2P transfer, a data misuse notice, and a no-code intake agent classifies the claim, pulls the paper trail from the bank or platform, and posts it to a marketplace of licensed attorneys, arbitration filers and litigation funders who bid to take it on contingency. Claimyard is free to the consumer and takes a share of recovered funds and of funder fees. A small case operations team verifies evidence before a claim is listed, which is where the ops cost sits.
- Why now
- The radar's graveyard shows Alterya (2022, protecting humans from scams) and Protego (2021, chargeback recovery) dying as prevention and recovery software, while 2026 money goes entirely to detection: Raid AI on deepfakes, MouseCat (yc W26) on financial crime, Incandor (yc X26) on anti-fraud behavioral intelligence. Nobody monetizes the loss after it lands, and with 490 tracked companies in this cluster the consumer side of the transaction is still empty.
- Wedge: first customer and entry point
- One claim type in one state: chargeback-ineligible P2P payment fraud in California, where the loss is documented, the counterparty is a small set of banks and apps, and a handful of consumer attorneys will take volume.
- Path to 100x
- US consumer legal and loss recovery is a $100B-plus spend, and claims cluster by defendant: the five hundredth claim against the same company is worth far more per claim than the first, so victims go where the pile already is and counsel goes where the piles are. That is a genuine winner-takes-most flywheel, and no second marketplace can match the settlement leverage of the largest one.
- Ceiling
- Individual recoveries are small and slow, so the take rate never covers verification operations unless aggregated campaigns land regularly.
- Closest real companies, as the generator saw them
- Protego recovered chargebacks for merchants, not victims. Alterya tried to stop scams before they happened and did not survive. Arbilex sold arbitration outcome prediction to law firms; Claimyard uses the same outcome data to route consumer claims and to decide when a pile of them is worth filing together.
- Main risk
- State bar regulators treat claim aggregation and revenue share as unauthorized practice of law or fee splitting and shut the marketplace down.
Five judges
Each judge scores every idea in the catalog with a named rubric; the venture judge decides whether a card is shown at all (4-5 is venture-grade).
Venture investor
5/5
Claims cluster by defendant, so the five hundredth claim beats the first, giving genuine winner-takes-most leverage over a $100B-plus recovery pool.
Bootstrapper
2/5
Contingency recoveries in 1-3 years plus bar regulators on fee splitting means ops costs land long before the cash does.
Operator
2/5
Free to the consumer with contingency-only revenue means slow, small recoveries against a real verification ops cost, and the buyer never pays anything.
Technologist
2/5
A no-code intake agent plus a human case-ops desk is light engineering; the defensibility is claim volume and bar regulation, not technology.
Risk
1/5
Claim aggregation with revenue share invites fee-splitting and unauthorized-practice findings from every state bar, and Alterya and Protego already died in this lane.
trends
2/5
Nobody-monetizes-the-loss is a whitespace claim that held in 2023, and the graveyard evidence dates the failures, not the opening.
Similar startups in the directory
Companies whose pitch matches most of the idea's terms (marketplace, turning, scam, fraud, privacy, losses, funded, aggregated): 8 all-time, 0 from the last two years. Same matching as Idea Check.
Making compute for AI as accessible as oxygen for humans.
Building the Platform that Powers Local Commerce, Starting with a Community-wide Shop Local Program
Defender of rights and liberties
Operator of full-featured payment management platform designed to connect millions of customers across the world. The company's payment management platform is easy to setup and works seamlessly across multiple devices, providing fraud detection, data privacy and highly secured transactions, enabling users to manage their funds whenever they want.
Smyte stops bad actors on social networks and marketplaces.
Custom-made artwork from artists e-commerce marketplace.
An artificially intelligent, humanly impossible, previously unsolvable, hyper-accurate approach to comply with data privacy regulations and prevent synthetic fraud losses.
The generator's reference companies
Real companies the model named as closest when it wrote the card, with their fate. A check mark is a company the radar could verify in its directory.
Public money in this direction
US federal grants, SBIR/STTR awards and open opportunities from the radar's public-money feed, matched to the idea's terms; the sector totals give the context.
2
grants and programs matching the idea
79
startup-relevant grants in Security and compliance
$21M
awarded in the sector, tracked
16
opportunities open now in the sector
- CAREER: Scalable Oblivious-Private Computation with Applications to Databases and Systemsawardmedium relevance
National Science Foundation · Secure &Trustworthy Cyberspace · $630K · posted 2026-07-20
NIH / NIGMS · SBIR phase II · $984K · posted 2025-07-21
Market signal
What the radar sees in Security and compliance: new companies by cohort year, the forming YC batch, and outcomes since the February snapshot.
Security and compliance · 43 → 45 → 83 → 75 → 32 new companies 2022 → 2026 · 94% aliveYC F26 live: 0 in this cluster, 0% of the batch (was 3% in S26)Since February, of 171 YC companies here: 0 acquired, 2 shut down, 25 rewrote their pitch
Design attributes
The card is one cell of a designed set: every axis below was chosen before the text was written, and the text had to realize it.
- Buyer
- Consumer
- Business model
- Marketplace
- Path to 100x
- Network effects, winner takes most
- Market size
- $100B+ market
- Capital intensity
- Capital-medium (ops, field teams)
- Speed to revenue
- Revenue in 1-3 years
- Technical depth
- Integrations, no-code
- Go-to-market
- Self-serve
- Moat
- Network effects
- Geography
- US first
- Regulation
- Some regulation
- Vibe
- Hot space
Listed under
An idea sits in its own sector and in any sector its text clearly touches.
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