What runs on every transaction before it clears

The best fraud system is one your genuine customers never notice. That means doing the heavy evaluation in the milliseconds before a payment clears, and only surfacing friction when the risk genuinely warrants it.

Signals, not rules

A single rule is easy to game. We weigh many signals together: velocity, device and network fingerprints, historical behaviour on the account, and rail-specific patterns that differ between Mobile Money and cards.

• Most payments pass silently with no added step.
• Borderline cases get a proportionate check, not a wall.
• Clear fraud is stopped before the money moves.

Security by default should feel like nothing at all to the people you actually want to serve.