Guaranteed Fraud Protection

Ryan Breslow created Bolt, a checkout and payments company that innovates by combining checkout, fraud detection, and a shopper network into one platform. The core insight was that by creating a unified checkout system where users enroll in shopper accounts, you could build the most powerful payment network.

Key Points:

• Core Innovation:

  • Built an integrated checkout solution
  • Offers guaranteed fraud detection with payments
  • Creates shopper accounts during checkout process
  • Builds a network effect through shopper accounts

• Origin of Idea:

  • Identified unsolved checkout problem in 2015
  • Realized potential of combining checkout with user accounts
  • Saw opportunity to create powerful shopper/payment network
  • Built solution despite industry skepticism

• Market Position:

  • Focuses on complete checkout experience
  • Integrates multiple components (payments, fraud, identity)
  • Creates network effects through shopper accounts
  • Competes in broader payments ecosystem

• Business Model:

  • Processes payments for merchants
  • Guarantees fraud protection
  • Builds value through growing shopper network
  • Enables one-click checkout across merchant network