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ABOUT SPEC

We’re reinventing customer security from the ground up.

Led by a team that’s protected some of the most attacked businesses on the planet, we're on a mission to help organizations secure their customer journeys from ever-evolving threats. By creating a real-time defense layer, our platform enables businesses to effortlessly detect and block threats, ensuring they can deliver trusted customer experiences.

Values in Action

At Spec, we lead with compassion, value diversity, and build authentic connections. We hold ourselves accountable, face change with courage, and let curiosity fuel constant learning. United by our mission, we act with focus, passion, and purpose – creating meaningful impact for our customers, colleagues, and communities. Follow for updates.

Powering Protection Together

Spec was founded in San Jose, CA by former eBay colleagues Nate Kharrl and Patrick Chen. We’re a talented mix of onsite and remote teammates, united by a culture of innovation, collaboration, and purpose. Nate’s deep experience in cyber and fraud prevention, combined with Patrick’s expertise in building adaptive technology platforms, shapes how we work: forward-thinking, curious, and committed to protecting customer journeys from fraud and bots, wherever they try to hide. Read more about our platform.

Driving the Future with Mastercard

We’re proud to be among just five startups hand‑picked for Mastercard’s first-ever Start Path Security Solutions track: a global program amplifying innovation in cybersecurity, fraud prevention, digital identity, and payment resilience. Backed by Mastercard’s network and expertise, this milestone supercharges our mission to deliver real-time behavioral intelligence and journey-level clarity at scale. Learn more.

“Siloed point solutions for fraud and bots — even best in class — fail to see the full picture needed to protect today’s digital businesses. Securing customer journeys requires a new approach — one that recognizes modern attackers don’t operate neatly within a business’s organizational boundaries and are often in more control of customer data than customers themselves.

Spec gives fraud and security teams the insights to stop sophisticated threats and deliver trusted experiences at scale.”

Nate Kharrl
Co-Founder & CEO

Meet our Leadership Team

Building innovative solutions that protect customer journeys from fraud and bad bots.

Nate Kharrl
Co-Founder & CEO
Patrick Chen
Co-Founder & COO
Meghan Thomas
Product Lead
Jay Cunningham
Engineering Lead
Be'Anka Ashaolu
Marketing Lead

Frequently Asked Questions

Spec is the AI-resistant fraud prevention platform that protects the world’s largest consumer brands.

What makes Spec different from other fraud prevention tools?

Unlike point-in-time fraud tools that only check at login or checkout, Spec monitors the entire customer journey. By analyzing 14x more behavioral and linking data than traditional tools, we detect and block fraud, bots, and abusive AI agents before they reach sensitive transactions. This early-stage protection helps leading e-commerce, ticketing, and delivery brands prevent over 99% of abuse before it impacts customers or operations.

Will Spec slow down good customers?

No. Spec is invisible to end users and processes data in under a millisecond. We identify risk early so trusted customers avoid unnecessary verification steps, boosting conversion rates. Our clients often reduce friction for millions of good customers while blocking more fraud.

How quickly can Spec be deployed?

Spec can be live in days, sometimes hours, with a simple CDN or cloud service update. No JavaScript, APIs, or SDKs are required to manage. As user behavior or attacker tactics change, Spec automatically adapts without code changes.

How does Spec stop AI-powered attacks?

Fraudsters now use AI to scale attacks. Spec turns that advantage into a liability by feeding automation false signals through honeypots and traps, poisoning fraudster models and making them ineffective. This AI-resistant approach keeps fraud and bots from adapting, protecting against attacks that bypass traditional bot mitigation and fraud detection tools.

Which types of fraud can Spec detect?

Spec detects account takeover, fake account creation, collusion rings, reseller abuse, promotion and coupon fraud, content abuse, and coordinated bot activity. Our linking data uncovers hidden relationships between malicious sessions, even when fraudsters rotate devices, IPs, and emails.

Who uses Spec today?

Spec protects some of the world’s largest brands in e-commerce, ticketing, food delivery, and online marketplaces. These companies choose Spec to reduce fraudulent and abusive activity by over 99% before it reaches their customers or operations. This early intervention takes most of the pressure off the point-based fraud tools these businesses have relied on for years, often allowing those legacy systems to be deprecated entirely.