Points and miles are as good as cash to attackers, who take over member accounts with stolen credentials or spin up fake ones to drain rewards. Arkose Titan stops account takeover and fake-account abuse before points are redeemed, while real members and trusted AI agents earn and redeem without friction.
Up to 5% of loyalty program members have had their accounts compromised.
Loyalty fraud happens when criminals treat points and miles like cash. Most often they take over member accounts with stolen credentials, then redeem points for travel, gift cards or merchandise, or transfer them to accounts they control before the member notices. In a survey by the Loyalty Security Alliance and Arkose Labs, half of members whose accounts were compromised had value taken, worth $1,000 to $5,000 when points were transferred out.
Some schemes span two programs. Attackers take over an account in one program and transfer the points to a partner program, where the transfer looks legitimate and the points are redeemed. The original program has to restore its member's balance and may absorb the cost of the transferred points too, doubling its exposure.
When one of the world's largest online travel platforms deployed Arkose Titan, nearly all account takeover attacks on its loyalty program stopped almost immediately.
Arkose Titan protects loyalty logins and redemptions like payments, stopping account takeover and fake-account schemes before points leave the program.
Loyal members earn and redeem without friction, and you set the rules for which AI agents can act on their accounts.
Nearly 1,000 detection signals flag account takeover and fake-account activity targeting loyalty programs before points are redeemed.
Proof-of-Work and AI-resistant challenges raise the cost of every takeover or fake sign-up until stealing points no longer pays.
Network-wide fraud signals keep your defenses current as loyalty fraud tactics move from one program to the next.
Loyalty fraud happens when criminals target rewards points and miles as if they were cash, since points can often be converted into statement credits, gift cards or travel.
Fraudsters typically take over existing loyalty accounts using stolen credentials, or create fake accounts to claim sign-up bonuses and referral rewards, then cash out the points before the fraud is noticed.
Arkose Titan analyzes signals such as device and behavioral data to catch account takeover and fake-account activity targeting loyalty programs, escalating the cost of an attack until it's no longer worth running.
The strongest solutions protect loyalty accounts the same way they protect login and payment flows, rather than treating points as a lower priority. Arkose Labs backs its credential stuffing detection, a key vector behind loyalty account takeover, with a $1 million warranty.
In one of the newest account takeover schemes, attackers take over an account in one program and transfer its points to a partner program, where the transfer looks legitimate. They redeem the points there, leaving the original program to restore its member's balance.
Yes. Attackers can use AI agents to test stolen credentials against loyalty logins and redeem points at scale, while other agents act on behalf of real members. Arkose Titan identifies AI agents at sign-in so you can decide which to allow and which to block.
Defend loyalty logins, redemptions and partner-linked accounts against account takeover, fake accounts and points theft.
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