Real-Time Predictive Risk Intelligence for Detecting Fraud Earlier National-Scale Operations Full Regulatory Confidence Eliminating Transaction Blind Spots Early Mule Detection Explainable Real-Time Decisions

AI-powered fraud, AML, and geo-behaviour intelligence that monitors every transaction, predicts risk outcomes in real time, and eliminates blind spots, without disrupting your existing systems.

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Platform

One Platform, Three Connected Products

Enterprise-grade fraud intelligence, licensed as a platform and priced by volume — extended with premium modules as you scale.

Fraud Detection

Real-time payer/beneficiary risk scoring, mule-network graph analysis and geo-behaviour intelligence, combined into a single decision.

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Transaction Monitoring

Behaviour history, velocity and pattern-deviation signals streamed continuously to feed every risk decision.

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Payment Screening

Instant payment screening evaluates every transaction using real-time risk checks preventing fraud proactively.

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The Problem

Banks See Accounts. Fraudsters See the Whole Network.

Institutions monitor transactions institution-by-institution, while fraud rings operate across accounts, geographies and entities—making them invisible to any single-bank view.

What a Single Bank Sees

One customer account at a time
Rules triggered only after visible spikes
Limited view of beneficiary risk
Fraud patterns hidden across geographies

Detection Gap

Single-bank visibility misses the network

What Fraudsters Exploit

Mule accounts connected in rings
Fast movement across accounts and banks
Small deposits into high-risk beneficiaries
Regional clusters and sudden corridors

The missing layer is cross-entity, dual-sided and privacy-safe fraud intelligence.

The Solution

One Risk Decision, Five Dimensions of Context

IDYC360 checks the risk of the payer, beneficiary, relationship, geography and network before or during a transaction, then returns an explainable risk decision.

Payer

Who is initiating the transaction?

Beneficiary

Who receives the money?

Pair

Is this relationship normal?

Geo

Is this location pattern risky?

Network

Is this part of a suspicious ring?

Outcome: fewer fraud losses, faster investigations, stronger evidence and lower manual review effort.

How It Works

Simple Integration, Clear Decision

The bank sends a transaction event; IDYC360 enriches it with risk context and returns an action-ready decision.

Transaction Event

Amount, payer, beneficiary, channel and metadata.

Risk Context

Behaviour history, geo baseline and network signals.

Risk Decision

Risk band, reason codes and recommended action.

Investigation Output

Alerts, dashboard, evidence trail and audit.

Bank-Friendly Deployment

Runs as an API layer, private cloud, on-premise, or controlled pilot environment—enhancing existing fraud and AML systems without replacing them.

Use Cases

Built for Every Fraud Vector

From instant payment fraud to complex mule networks—one intelligence layer covers the full spectrum.

Real-Time Payment Fraud

Screen UPI, NEFT, IMPS and card transactions in under 100ms without rewriting rules for every new attack pattern.

Mule Network Mapping

Trace the full chain of mule accounts moving stolen funds, including coordinators, recruiters and layering hops.

AML Transaction Monitoring

Continuous behavioural analysis across channels with STR-ready cases and complete audit trails.

Suspicious Activity Reporting

Structured evidence, entity risk summaries and supporting context assembled for FIU submissions.

Geo-Behaviour Anomalies

Catch impossible-travel patterns and location-inconsistent transactions using geo intelligence.

Account Takeover Defence

Detect synthetic identities and takeover attempts using behavioural and cross-entity analysis.

Built For

Every Layer of the Financial Ecosystem

Designed for the compliance, integration and scale requirements of Indian financial institutions.

🏦

Banks

Modernize fraud prevention without disrupting core banking systems.

🏢

NBFCs

Manage high transaction volumes with lean compliance teams.

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FinTechs & PSPs

Get enterprise-grade fraud intelligence at startup speed.

⚖️

Regulators

Gain cross-institutional intelligence and real-time risk visibility.

Why IDYC360

Not Just Another Rule Engine

Six capabilities that separate IDYC360 from legacy rule-based systems and single-purpose AI tools.

Dual-Sided Screening

Risk scoring for both payer and beneficiary, before or during transaction execution.

Mule-Network Intelligence

Graph analysis to detect rings, funnels, rotations and linked account clusters.

Privacy-First Design

Pseudonymized entity intelligence without exposing raw customer PII in shared-risk models.

Geo-Behaviour Layer

PIN-code, city and state hotspot intelligence for identifying emerging fraud clusters.

Explainable Outputs

Risk band, reason codes and network context supporting audit-ready investigations.

Bank-Grade Scale Path

Architecture designed for high-volume BFSI transaction streams and enterprise deployment.

IDYC360 is a shared intelligence layer for accounts, counterparties, geographies and networks — not just a transaction scorer.

Comparison

Where IDYC360 Stands Apart

A comparison with legacy rule engines, enterprise AML suites and India-focused RegTech platforms. "Product-dependent" indicates capabilities that vary by vendor.

Capability	Legacy Rules / SIEM	Global Enterprise Suites	India RegTech / KYC	IDYC360
Dual-sided payer + beneficiary risk	Limited	Product-dependent	Limited	Core
Mule ring / network detection	Limited	Possible	Limited	Core
Cross-account / cross-FI model	Usually No	Product-dependent	Usually No	Designed for it
Privacy-preserving shared intelligence	Usually No	Product-dependent	Usually No	Core Design
PIN-code geo behaviour	Limited	Product-dependent	Limited	Available
India-specific deployment (RBI / FIU-IND)	Varies	Global-first, India via localisation	Strong	Built natively for India BFSI
Explainable evidence for investigation	Basic alerts	Varies	Varies	Risk reasons + graph context

Performance & Privacy Posture

Pilot-Ready, Built Privacy-First

Final SLA and throughput are benchmarked in each bank's environment during a controlled proof of concept.

2–3k

TPS lab range in synthetic tests

<100ms

Decisioning target, optimised path

8–12 wk

Controlled POC timeline

30k

Scale-out production design target

Data Protection by Design

Pseudonymized identifiers
No raw customer PII required for shared intelligence
Role-based access control
Audit logging and purpose limitation

Diligence Note

Performance is validated during each bank proof of concept using agreed infrastructure, transaction volume and success criteria—protecting both IDYC360 and the customer from overclaiming.