Zarv is a technology company that provides real-time infrastructure for risk assessment, fraud prevention, and asset recovery. Founded by serial entrepreneur João Costa, Zarv was built to address a fundamental gap in insurance and financial services: traditional systems rely on historical data and static rules, while risk in the physical world changes dynamically.

The Zarv platform processes large-scale behavioral, geospatial, and operational data — including exclusive access to public and private camera networks — enabling organizations to understand risk as it happens. This includes detecting fraud before underwriting, predicting default, reconstructing incidents for claims, and accelerating the recovery of financed or insured assets.

Zarv’s core products power key workflows across insurers, lenders, and public safety agencies. Zarv ID provides behavioral and location-based risk scoring. Zarv Analytics automates claims investigation and fraud detection. Zarv Finance enhances asset visibility and recovery. Zarv GovHub brings these capabilities to cities, integrating municipal camera grids for public safety and enforcement.

Operating across major financial and mobility institutions, Zarv manages over $150M in assets and processes more than 1.6TB of data daily. Its dynamic risk engine consistently delivers outcomes such as 93% fraud prevention and 34× faster recovery compared to industry norms.

With deep workflow integration and proprietary data advantages, Zarv is establishing itself as the infrastructure layer for real-time physical-world risk. The company continues to expand its platform and partnerships to build safer, more efficient systems for businesses and governments.