🚀 Fintechs & Digital Lending Platforms

Fraud Detection That Moves at Fintech Speed

API-first architecture, developer-friendly integration, and no-code rule management — so your risk team can iterate in hours, not sprint cycles.

Get API Access See Rule Engine →
REST
API-first design, language-agnostic integration
<50ms
Scoring latency — fits inside any transaction flow
2 min
Time to create and activate a new fraud rule
5
AI platforms switchable without restart

What fintechs use vcurd for

🔌

Rapid API Integration

Single POST to /transactions/score returns a fraud decision, score, SHAP explanations, and triggered rules in one response. No batch jobs, no polling. Integrates into any payment flow in hours — not weeks. Full OpenAPI documentation included.

🤖

AI-Powered Rule Suggestions

vcurd's swarm agent continuously analyzes flagged transactions and suggests new rule conditions based on emerging patterns. Your risk team reviews and activates suggestions without writing code — turning fraud signal into detection coverage in minutes.

📦

Batch Processing for Loan Disbursal

Before disbursal, score the full applicant pool in batch mode. vcurd's batch API processes CSV uploads with async job tracking — returning mule scores, bureau velocity checks, and ML fraud scores for every applicant before funds leave your system.

🧩

Multi-LLM Intelligence Layer

Switch between OpenAI GPT-4o, Claude, Gemini, and local Ollama models from the admin panel — no code changes. Use different models for different risk tiers: fast local model for real-time scoring, GPT-4o for deep fraud investigation summaries.

One call. Full fraud decision.

The scoring API returns everything you need — decision, score, triggered rules, and SHAP explanations — in a single synchronous response.

// POST /transactions/score { "sender_vpa": "user123@okaxis", "receiver_vpa": "merchant@ybl", "amount": 48500, "device_id": "d4f2a1b9", "location_district": "Jamtara", "is_new_beneficiary": true } // Response { "decision": "FLAG", "ml_score": 0.847, "rule_triggered": "high_risk_district_new_beneficiary", "reasons": [ "High-risk MHA district (Jamtara) +0.22", "New beneficiary, first transaction +0.18", "Amount 3.1× sender average +0.14" ], "mule_score": 45, "latency_ms": 38 }

Modules most used by fintechs

Real-Time ML Scoring
⚙️No-Code Rule Engine
🤖AI Rule Suggestions
📦Batch Processing
🕸️Mule Scoring
🧠Swarm Agents
🧾Bureau Velocity
💸Disbursal Monitoring
📡Live WebSocket Feed

Integrate in a day, protect from day one

API keys and documentation available immediately after onboarding.