Purpose-built for the regulatory obligations, transaction volumes, and operational workflows of scheduled commercial banks. Not a generic platform adapted for India — designed for it.
The four fraud and compliance challenges where Indian banks need the most support — and where generic platforms fall short.
Rule engine + ML pipeline runs in under 50ms. Block high-risk transactions before UPI completion — not after. Hard BLOCK, soft FLAG, step-up 2FA, and DELAY actions all configurable without code changes. Essential for meeting the RBI real-time monitoring mandate.
Graph-based analysis of the full VPA→VPA transaction network. Computes composite Mule Score across 6 signals: account dormancy, pass-through ratio, device sharing, VPA age, MHA district, and SEON intelligence. Catches 2nd and 3rd-hop mules that rule-based systems miss.
One-click FMR export in the RBI-required format. Automated CERT-In incident report generation. Compliance countdown dashboard with deadline tracking. Full immutable audit trail. SAR/STR filing workflow for FIU-India. Everything needed for examination readiness, always available.
Full card network, issuing bank, card type, and international flag for every card transaction. Country-level fraud pattern analysis. Separate card fraud rules distinct from UPI rules. Real-time card fraud heatmap by network and transaction type — critical as card-not-present fraud scales.
Every UPI transaction hits the scoring API. Full transaction context passed: sender VPA, receiver VPA, amount, device ID, location, IP, card BIN if applicable, and behavioral flags.
Enabled rules evaluated in priority order. First BLOCK terminates the pipeline — sub-5ms for pure rule-based blocks. Conditions evaluate amount thresholds, velocity, time-of-day, device flags, VPA blacklist, and 12+ other signals.
XGBoost + Isolation Forest pipeline runs if rule engine does not BLOCK. 23 features including engineered signals specific to Indian UPI fraud. Score 0–1 compared to configurable fraud threshold.
Final decision (BLOCK / FLAG / DELAY / 2FA / PASS) returned with SHAP attribution showing which features drove the score. Every decision logged to immutable audit trail.
Flagged transactions create Alerts visible to risk analysts in the live dashboard. WebSocket push to all connected clients means the operations team sees fraud events in real time — not on a T+1 report.
Schedule a demo with a use case specific to your institution's fraud profile.