The five moments
Five moments. One decision at each.
Bound once at sign-up. Checked again at every step after.
One journey. Five places to decide.
// 001The real person, bound to their own phone and SIM.Sign-up// 002One tap, and the SIM bound at sign-up is checked.Login// 003The face from sign-up, checked before anything is bound again.New phone or SIM// 004The payee scored, from the phone and SIM already bound.New payee// 005The SIM bound at login is the SIM expected at payment.Payment
Five things. Bound once, checked again.
- Bound at sign-up
The face
A live person on a real camera, matched to Aadhaar or the document at sign-up.
- Bound at sign-up
The number and SIM
The number the network confirms, on the SIM bound to the account.
- Bound at sign-up
The phone
The device the account is bound to: intact, and nobody else driving it.
- Bound at a new payee
The payee
Where the money goes, scored against the mule graph before it leaves.
- Read every session
The session
The owner acting freely: their own rhythm, no call coaching them, no shared screen.
Which module reads where.
All modules| Module | Sign-up | Login | New phone or SIM | New payee | Payment |
|---|---|---|---|---|---|
| AuthenticationSilent network verification | Reads at Sign-up | Reads at Login | Reads at New phone or SIM | No | No |
| SIM and device binding | Reads at Sign-up | Reads at Login | Reads at New phone or SIM | No | No |
| VerificationIdentity and eKYC | Reads at Sign-up | No | No | No | No |
| Document and ID verification | Reads at Sign-up | No | Reads at New phone or SIM | No | No |
| Liveness and face match | Reads at Sign-up | No | Reads at New phone or SIM | No | No |
| Video KYC | Reads at Sign-up | No | No | No | No |
| Business verification | Reads at Sign-up | No | No | No | No |
| AML screening | Reads at Sign-up | No | No | No | No |
| Bank account verification | Reads at Sign-up | No | No | Reads at New payee | No |
| IntelligenceDevice intelligence | Reads at Sign-up | Reads at Login | Reads at New phone or SIM | Reads at New payee | Reads at Payment |
| Behavioural biometrics | No | Reads at Login | No | Reads at New payee | Reads at Payment |
| Scam signals | No | No | No | Reads at New payee | Reads at Payment |
| Payee and mule graph | Reads at Sign-up | No | No | Reads at New payee | Reads at Payment |
| DecisionOne decision | Reads at Sign-up | Reads at Login | Reads at New phone or SIM | Reads at New payee | Reads at Payment |
| Journey builder | Reads at Sign-up | Reads at Login | Reads at New phone or SIM | Reads at New payee | Reads at Payment |
Where fraud shows. And what stops it.
On the customer’s phone. Pick a moment.
Open an account1 of 3
Getting your details
From DigiLocker, with your consent.
AadhaarVerified with UIDAI
PANXXXXXX234K
AddressBengaluru, Karnataka
Continue
The real person, bound to their own phone and SIM.
- Face
- Bound here
- Number and SIM
- Bound here
- Phone
- Bound here
- Payee
- Not read here
- Session
- Not read here
AllowEverything holds
- Why
- Number confirmed by the network, SIM and phone bound, a live person on a real camera, and no face or device seen on other accounts.
- Your FRM receives
- ALLOW · number verified · SIM bound · live person
Start with sign-up, login or payments.
Pick one, test it on your own traffic before you commit, and add the others on the same SDK when you’re ready.