Behavioural Monitoring Engine
Catch the network,
not just the transaction.
AUISY scores behaviour — not single payments — across UPI, IMPS, AEPS, SWIFT and RTGS in real time. A streaming graph engine links accounts, devices and mule chains so you stop laundering rings before the money leaves the rail.
Core Capabilities
Numbers that speak for themselves
AUISY currently manages structured and unstructured data, including billions of records.
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Scoring latency
0rails
0rails
UPI · IMPS · AEPS · SWIFT · RTGS
0-hop
0-hop
Network traversal
One Behavioural Model
Every Indian Rail
Live risk pressure by rail
UPI
0.78P2P / P2M velocity & VPA churn
IMPS
0.6424×7 high-value layering
AEPS
0.86Aadhaar cash-out abuse
SWIFT
0.71Cross-border trade misinvoicing
RTGS
0.58Large-value bust-out exits
Rail Coverage
Purpose-built models for how each rail is abused
Generic transaction monitoring treats every rail the same. AUISY tunes behavioural signals to the laundering typology each rail enables — then unifies them in one network view.
UPI · IMPS
Retail velocity & mule layering
India runs on instant rails — and so do laundering rings. AUISY models VPA churn, fan-in/fan-out bursts, dormant-to-active spikes and round-tripping across handles to surface mule networks the moment they form.
• Fan-in / fan-out bursts
• VPA & handle churn
• Dormant account reactivation
• Sub-threshold structuring
AEPS
Aadhaar cash-out abuse
AEPS withdrawals are where laundered funds become untraceable cash. We profile BC agent behaviour, biometric reuse, geo-impossible withdrawals and terminal concentration to flag cash-out farms before settlement.
• Operator-level delta against scheme disbursement
• Biometric reuse patterns
• Geo-impossible withdrawals
• Terminal velocity anomalies
SWIFT · RTGS
High-value & cross-border exits
Large-value rails are the exit door. AUISY links domestic mule chains to RTGS bust-outs and SWIFT trade-misinvoicing, scoring beneficiary networks and counterparty risk across borders in a single graph.
• Bust-out exit patterns
• Trade misinvoicing
• Beneficiary network risk
• Counterparty sanctions linkage
How It Works
A six-step streaming flow, no nightly batch
From raw rail event to explainable decision, AUISY runs as one continuous stream — every account stays scored against its own behaviour and the network around it.
Tap the rails
AUISY subscribes to your live event streams — UPI switch, IMPS/RTGS core, AEPS terminals and SWIFT gateway — alongside KYC, device and beneficiary reference data.
Resolve entities
Every event is mapped to durable entities. Accounts, VPAs, devices, agents and counterparties are de-duplicated and linked into one continuously-updated financial graph.
Build behaviour
Rolling profiles capture each entity's normal — velocity, timing, geography, counterparties — and the network it usually transacts within.
Score in stream
Behavioural drift and network motifs are scored together. The model weighs the entity, its 3-hop neighbourhood and the matched typology in a single pass.
Decide & route
A policy layer turns scores into actions — allow, step-up auth, hold for review or block — with thresholds you tune per rail and segment.
Explain & learn
Each alert ships its subgraph and reason codes for investigators and STRs. Outcomes feed back to recalibrate, closing the loop within the same stream.
Graph Engine
A streaming graph that thinks in networks
Single-transaction rules miss coordinated rings by design. AUISY maintains a live financial graph and scores behaviour across it — so the structure of the crime is the signal.
Streaming entity resolution
Accounts, devices, VPAs, beneficiaries and BC agents collapse into stable entities as events arrive — no nightly batch.
Multi-hop traversal
Score 3-hop neighbourhoods in-line so a clean account funding a mule two steps away still lights up.
Temporal motifs
Detect fan-in/fan-out, round-tripping and layering loops as graph patterns, not isolated rules.
Explainable paths
Every alert ships the exact subgraph and the typology it matched — ready for an investigator or an STR.
Anomaly Heatmap
See pressure build before it breaks
Behavioural anomalies cluster in time and rail. The heatmap turns billions of events into an operational picture — so risk teams triage where the network is heating up, not chase yesterday's alerts.
For banks
Six outcomes your risk function can measure
AUISY isn't another alert queue. It's built around the outcomes a bank's financial-crime team is accountable for — from first signal to recovered funds.
Quantify
Put a rupee figure on exposure. AUISY traces fund flows through the graph so you can size leakage and prioritise the rings that matter.
Prevent
Rolling profiles capture each entity's normal — velocity, timing, geography, counterparties — and the network it usually transacts within.
Comply
Generate explainable, audit-ready alerts and STRs with the underlying subgraph attached — aligned to RBI and FIU-IND expectations.
Identify
Surface mule networks, bust-outs and structuring across rails — including the clean accounts funding them — that single-transaction rules never see.
Recover
Faster detection means funds are still in-system. Freeze and trace across the network while there's money left to recover.
Defend
Adaptive profiles re-learn as rings change tactics, so coverage holds when fraud migrates to the next rail or typology.
PREVENTIVE PLAYBOOK
Live in your VPC in four steps — from shadow to blocking.
A staged rollout that proves lift before a single production decision changes — your data never leaves your perimeter.
Map your highest-leakage rail and replay 90 days of anonymised typologies against current rules.
Deploy AUISY in shadow mode inside your VPC — no production decisions, full scoring.
Tune per-rail thresholds with your risk team using the false-positive / catch-rate curve.
Promote to inline blocking on the rails with proven lift, expand coverage rail by rail.
Why AUISY
Built for networks, where India fraud-tech stops short
Most India fraud-tech bolts rules onto single rails and reports after the fact. AUISY is a network-native, real-time engine — here's the difference, line by line.
Banks
Scheduled & private banks
Protect deposit accounts and correspondent flows where a single missed ring can mean crores in unrecoverable leakage and regulatory exposure.
Where they leak today
- Mule accounts opened through fast onboarding then drained via AEPS/UPI
- Cross-rail layering that batch AML systems only see at T+1
- STR backlogs and false-positive queues that bury real rings
What AUISY changes
- Inline scoring at authorisation to hold or block before cash-out
- Explainable subgraphs attached to every alert — STR-ready for FIU-IND
- One model spanning UPI, IMPS, AEPS, SWIFT and RTGS, no rail blind spots
Fintechs
PPIs, neobanks & lending apps
Grow fast without becoming a laundering conduit. AUISY gives lean risk teams network-grade detection without a 50-person ops floor.
Where they leak today
- Bonus-abuse and collusion rings that mimic genuine new-user behaviour
- Wallet-to-wallet structuring below reporting thresholds
- Thin risk teams forced to choose between friction and fraud
What AUISY changes
- Behavioural profiles that separate real growth from coordinated abuse
- Risk-based step-up that keeps good users frictionless
- API-first scoring that drops into existing onboarding and payout flows
Payment infrastructure
PAs, PGs, switches & networks
You see the traffic everyone else only sees in fragments. AUISY turns that vantage point into network-level detection you can offer downstream.
Where they leak today
- Merchant collusion and transaction laundering across sub-merchants
- Velocity and fan-out patterns invisible at the single-merchant level
- Pressure from sponsor banks and schemes to evidence controls
What AUISY changes
- Portfolio-wide graph view across merchants, BINs and beneficiaries
- Sub-40ms scoring that fits inside the switch without adding latency
- Shared intelligence that strengthens every party on the rail
One network, one model. When a bank, a fintech and a switch all run on AUISY, a ring caught at one becomes a signal for all — laundering loses the seams it used to hide in.
Network-first scoring
We score the ring, not the row. Coordinated behaviour across accounts is the primary signal.
Every rail, one model
UPI to SWIFT in a single graph — fraud that hops rails can't hide between tools.
Truly real-time
Sub-40ms inline scoring that fits authorisation, so you block instead of report.
Investigator-ready
Each alert is an explainable subgraph mapped to a named topology — STR-ready.
Self-tuning
Confirmed outcomes feed back continuously; coverage holds as tactics shift.
VPC-native & private
Deploys inside your perimeter. No PII leaves the bank, RBI-aligned by design.
The Leakage Bet
We'll find leakage your current stack is missing — or we walk away.
Give us 90 days of anonymised rail data in your VPC. If AUISY's network engine doesn't surface laundering value beyond what your existing rules catch, you owe us nothing. We're that confident the money is moving as a network you can't yet see.
Your data deserves a faster lane.
Join 2,400+ data teams who moved from slow dashboards to real-time intelligence — in under 20 minutes.