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Fraud prevention for banks

You run retail and corporate banking on real-time rails, and the fraud that costs you most now passes every check: a coerced transfer, a mule payee, a recovered account.

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Journey most at risk
A new payee followed by a first payment
The decisionS-9906

Hold

HOLD · active call · screen share · dictation pauses · mule-linked payee
Your customer sees
Payment paused. Your money hasn’t left your account. The police never ask you to move money to a safe account. If someone is on a call with you now, end it. We’ll call you on +91 •••• 3210.
Your FRM receives
ACTIVE_CALLSCREEN_SHAREDDICTATION_PAUSESPAYEE_MULE_LINKED
Stopped or heldIllustrative
The decision on the journey most at risk here, from the digital arrest use case. Real codes are agreed in the sandbox.

What banks face now.

Across the customer journey.

Where each attack appears for banks, what DeepID reads at that moment and the action it returns. Each moment is checked against what the one before it bound.

MomentThe attackWhat DeepID doesDecision
Sign-upDeepfakes, synthetic identities and device farmsA live face on a real camera, matched to the ID, and one device linked to many applications read at the start.Block
LoginCredential stuffing, bots and phished codesThe network and the SIM confirm the number with nothing to type; emulators and scripted logins break the device check.Allow, or block
New phone or SIMSIM swaps and recovery hijackA SIM that moved is read at once; the customer’s face from sign-up holds before anything is re-bound, then a cool-off.Step up, then cool off
New payeeCoached payments and mule payeesA call or a shared screen while the payee is added, and the payee scored against the mule graph before the first payment.Warn, or cool off
PaymentCoerced transfers and corporate deepfakesThe call, the screen, the typing and the payee become one decision before the money leaves, with its reasons in your FRM.Hold

Where to start.

The journey most at risk: a new payee followed by a first payment. Most banks start DeepID at sign-up or login, where the SIM, the phone and the face are bound, so that by the time a payee is added there is something to check it against.

  1. 1Sign-upBind the number, the SIM, the phone and the face once.
  2. 2LoginNo code to type for good customers; a step-up only when the SIM or the phone has changed.
  3. 3New payeeThe journey most at risk: who is the payee, and is the customer under pressure?
  4. 4Digital arrestThe coerced payment, step by step, and the hold with reasons.
  5. 5Mule account detectionFind the payees your scam cases paid into, in your own history.

Your free first analysis.

A free retrospective on 30 to 90 days of your payments and closed scam cases.

What it shows. The payees your confirmed cases paid into, the mule links between them, and which were still active on the last day of the period. No figure is published for this; you count it on your own data, against what you see today.

How the retrospective works

Use cases for banks.

Each shows how the attack unfolds, what your checks saw at each step, what DeepID read and the decision it returned.

All 15 use cases

  • Digital arrest

    Hold the coerced payment before it leaves the account.Hold, then call back

  • Mule accounts

    Catch mule accounts before the money moves.Cool off, then hold

  • Assisted channels

    Prove the customer is there, on her own phone, before an assisted action.Step up, or hold

  • Video KYC deepfakes

    A live person, in front of a real camera, on every video KYC call.Step up, hold or block

  • Executive deepfakes

    Verify the approver on their own phone before an unusual payment leaves.Step up

  • Account takeover

    Protect the account through recovery and the hours after.Step up, then cool off

  • Loan stacking

    Catch stacked and synthetic applications before disbursal.Cool off or block

  • Merchant laundering

    Hold the payout and find the whole merchant ring.Hold

  • Investment scams

    Slow the scam payment and hold the mule trading account.Warn, then cool off

  • AI agents

    Tell the customer’s own assistant from automation that only looks like one.Allow, or step up

  • Vulnerable customers

    Extra time, and a call back, for the customers most at risk.Cool off, then hold

  • Insider fraud

    Hold the takeover that starts with a contact change made from the inside.Step up, then hold

Rules that apply.

India first. Each rule is dated and sourced on its market page, and the rule map covers the six other markets.

India’s rules

The rule map, by market

DeepID supports compliance with these rules. It never claims to guarantee it.

The modules these use cases read with.

Open a module to see what it reads and the reasons it sends with each decision.

How the platform decides

See DeepID on a real phone.

We show your fraud, security and engineering leads how DeepID would run your sign-up, login or payment journey, then plan a pilot on your own traffic.

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