SPF Liability Calculator Book a Demo

What does the Scams Prevention Framework mean for your balance sheet?

Model your designated organisation's exposure under Australia's new mandatory scam prevention obligations

Designated Organisation Profile

Designated Sector
Retail Customers
500,000
50K15M
Scam Attempt Rate
0.5%
0.1%2.0%
Current Reimbursement Rate
4%
0%20%
Average customer loss
A$3,000
A$500A$10,000

Your SPF Exposure

MANDATORY FROM JULY 1
Your Liability Gap
A$7.2M
+2,400% new exposure the SPF moves onto your balance sheet - what you cover today won't come close
Gross Auto-Comp Exposure
A$7.5M
2,500 scam attempts × A$3,000
What You Pay Today
A$300K
Voluntary reimbursement
Penalty Risk
A$10-50M
Per contravention, or 30% turnover
Today
A$300K
Under SPF
A$7.5M
Now flip it - here's the fix

The Apate Effect

The fix

This is the lever. Apate stops scams before the money leaves - turning that liability into prevented loss. Drag to model how much of your exposure it removes.

Apate Prevention Rate
65%
0%80%
Without Apate
A$7.5M
A$24.3M over 3 years
→
With Apate
With Apate
A$2.6M
A$8.5M over 3 years
What Apate gives back
A$4.9M
of liability avoided per year
At 65% prevention. A$15.8M saved over 3 years. Before AFCA dispute costs, penalty risk, and reputational damage.

Most platforms analyse scams. We live inside them.

01
Engage

Lifelike AI agents enter scammer-initiated conversations across voice and text. The scammer believes they've found a victim - and stays on the hook for hours.

Voice WhatsApp Telegram SMS Email
02
Extract

Every interaction surfaces mule accounts, PayIDs, crypto wallets, impersonated brands, phone infrastructure and emerging typologies - in real time, straight to your fraud team.

Mule accounts Wallets Typologies
03
Disrupt

ScamStrike deploys fleets of voice agents to flood scammer infrastructure, collapsing their ability to reach real victims while your customers stay protected.

ScamStrike Proactive Offensive
The result Scammers waste hours on fake victims. Your fraud team gets live intelligence. Your customers stay protected.

Three layers. One intelligence core.

The engagement layer captures live signal across every channel; the intelligence layer turns it into action inside Apate Insights - where your fraud team lives; the action layer pushes protection back out.

Engagement layer
Text
WhatsApp · Telegram · SMS · social
Voice
Inbound & outbound real-time calls
Email
Phishing & BEC lures engaged
Web Agents
Auto-fill scam sites, extract payment data
Intelligence layer
Apate Insights Live
The portal where your fraud team lives
Real-time intelligence feed
Phone number  +61 4•• ••• 21796%
Bank account  BSB •••8028100%
Crypto wallet  bc1q•••f4ze96%
Command & control
Agent fleet operations
Investigation centre
Drill into any case
Real-time alerts
The moment they surface
Insights & analytics
Categories · channels · geos
Action layer
ScamStrike Outbound
Fleets of AI callers flood scammer lines - disruption pushed back out at the criminal infrastructure.
ScamGuard Consumer
Scores customer-reported scams at intake - protection pointed at the customer.
Flow intelligence anywhere
REST API Webhooks Real-time alerts SIEM Case management

Methodology & Sources

Data Sources

Scam Type Distribution (NASC 2025)

  • Investment scams: $837.7M (38.4% of total)
  • Payment redirection: $166.8M (7.7%)
  • Romance scams: $139.9M (6.4%)
  • Phishing: $97.6M (4.5%)
  • Remote access: $69.9M (3.2%)
  • Other: $868.1M (39.8%)

Calculation Assumptions

  • Average reimbursement: adjustable per-claim amount, defaulting to the A$3,000 auto-comp benchmark proposed by Treasury under the SPF
  • Gross exposure: retail customers × scam attempt rate × average reimbursement
  • YoY growth: 7.8%, derived from NASC reported losses increasing from $2.03B (2024) to $2.18B (2025)
  • Default values: Customer counts and attempt rates are illustrative estimates based on publicly available data
  • Prevention rate: 60-70% is Apate's estimated prevention capability based on deployment experience

Important Notes

  • This calculator models auto-comp exposure only. Total SPF liability includes AFCA external dispute resolution (claims >A$3,000), regulatory penalties (up to A$50M), and operational compliance costs.
  • The A$3,000 auto-comp is a Treasury proposal as of May 2026. Final thresholds may differ.
  • Actual scam attempt rates vary significantly by institution. Use your own data where available.
  • Penalty risk (A$10-50M) is shown as a static range and is not factored into the calculated totals.

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Live threat intelligence

Want to see what we're seeing?

If you're interested in the breadth and depth of the methodologies, typologies, TTPs and real-time scam campaigns we're tracking today, reach out and we'll walk your team through it.

Methodologies Typologies TTPs Real-time campaigns
SPF Liability Assessment

A designated organisation's exposure under the Scams Prevention Framework

500,000 retail customers · mandatory from July 1

New liability the SPF moves onto the balance sheet
A$7.2M
per year - what the organisation covers voluntarily today won't come close
What they pay today
A$300K
Voluntary reimbursement
Under the SPF
A$7.5M
Gross auto-comp exposure / year
3-year "do nothing" cost
A$24.3M
At 7.8% YoY scam growth
Penalty risk
A$10–50M
Per contravention, or 30% turnover
The Apate Effect
A$4.9M
of liability avoided per year at 65% prevention - A$15.8M over 3 years. Apate stops scams before the money leaves.
Questions about these numbers? Talk to our team about turning this liability into prevented loss.
Book a demo
Explore the full interactive calculator → Estimates based on NASC, ACCC, AFCA & ASIC public reporting. Calculator by Apate.ai.