Real-Time Payment Intelligence

Securing banks against AI-assisted fraud before money moves.

BoltShield is a graph-native decision engine that watches UPI, IMPS, AEPS, NEFT, and SWIFT/RTGS in a single fabric — scoring every transaction against mule rings, synthetic identities, deepfake KYC, and prompt-engineered social engineering in under 80 milliseconds.

Get Started

Core Capabilities

Numbers that speak for themselves

BoltShield currently manages structured and unstructured data, including billions of records.

<0ms

p99 decision

edge → verdict

0.0B+

Detected E

single-paisa slice

0.0%

Rails covered

and counting

Rail Fabric

One fabric across every rail

Seamlessly unify UPI, IMPS, AEPS, NEFT and SWIFT into a single intelligent layer powering real-time, secure and scalable transactions across India.

UPI

Real-time P2P/P2M

14.4B txn/mo

IMPS

24×7 interbank

560M txn/mok

AEPS

210M/mo

210M txn/mo

NEFT

Bulk batched

420M txn/mo

SWIFT / RTGS

High-value cross-border

₹1.6 quadrillion/yr

Per-Rail Defenses

Each rail gets a purpose-built model — not a one-size-fits-all rule engine.

Models trained on the failure modes specific to each payment system, deployed as composable scorers in a unified runtime.

UPI · IMPS

Sub-second decisions at the velocity of consumer payments.

• Device-graph fingerprinting that survives SIM swap & reinstall

• Collusive mule-ring detection via 6-hop fund-flow traversal

• VPA-level reputation with handle-rotation tracking

• Beneficiary-novelty + amount-uplift Bayesian scoring

UPI · IMPS

Sub-second decisions at the velocity of consumer payments.

• Device-graph fingerprinting that survives SIM swap & reinstall

• Collusive mule-ring detection via 6-hop fund-flow traversal

• VPA-level reputation with handle-rotation tracking

• Beneficiary-novelty + amount-uplift Bayesian scoring

AEPS

Biometric cash-out drift

• Liveness anomaly signals from minutiae-template drift

• Geo-velocity guardrails for BC-agent terminals

• Operator-level risk dashboards with auto-suspend

SWIFT · RTGS

High-value, low-volume — every wire treated as a forensic event.

• MT103 / pacs.008 payload introspection with sanctions cross-match

• Beneficiary BIC reputation graph across 200+ correspondents

• Step-up callback workflows with deepfake-resistant voice biometrics

• Auto-recall orchestration within the 24-hour cutoff

Graph engine

A payments-native knowledge graph, not a tabular feature store.

Every account, device, VPA, IP, beneficiary, and merchant is a node. Every transaction, login, KYC submission, and dispute is a typed edge. Traversal happens in-memory with custom Rust kernels — billions of edges per query, single-digit-millisecond responses.

Native edge types

47 financial + behavioral

Hop depth at p99

6 hops in <12 ms

Streaming ingest

1.4 B edges / day

Backfill window

730-day rolling

Anomaly surfaces

See attack waves form across rails — hours before they cross detection thresholds.

Continuous unsupervised baselines per rail, region, and merchant-category. Coordinated bursts that any single rule would miss light up as red bands across the heatmap.

Decision pipeline

From wire-on to action in under 80 milliseconds.

Five deterministic stages, all observable, all reversible, all explainable to your auditor.

Stage 1

Ingest

ISO 8583 / 20022, UPI NPCI payloads, device telemetry

Stage 2

Enrich

Graph traversal, identity resolution, sanctions

Stage 3

Score

12 ensemble models, GNN + boosted trees

Stage 4

Decide

Allow / step-up / hold / reject with reason codes

Stage 5

Act

Block, freeze, recall, notify, file STR

How it works

A six-step streaming flow from rail tap to recall.

No batch jobs, no overnight extracts. Every step is online, observable, and tested against replayed production traffic before it touches a live transaction.

Tap into the rail

Drop-in connectors for UPI switch, IMPS/NEFT core, SWIFT MX/MT, AEPS NPCI Mapper, and your card switch — read-only by default, no replatforming.

Materialize the graph

Every event becomes typed nodes and edges in our streaming graph store. Identity resolution stitches device, VPA, account, and beneficiary into a single resolved entity.

Score in flight

12 ensemble models — graph neural nets, gradient-boosted trees, and sequence transformers — evaluate the full neighborhood, not just the row.

Apply your policy

Risk scores meet your written policy through a versioned decision DSL. Step-up auth, holds, callbacks, and recalls fire deterministically with full reason codes.

Act on rail

Block, freeze, recall, or release back to the switch within the rail's SLA — UPI in 80 ms, SWIFT inside the 24-hour recall window.

Learn and replay

Every decision is recorded with feature snapshots. Analysts label, models retrain nightly, and you can replay any historical day against a new model before it goes live.

For Banks

Six outcomes that map to how your fraud, risk, and compliance leaders are measured.

BoltShield isn't a model in a notebook — it's an operating system for fraud loss reduction with KPIs your CRO, COO, and CCO already report on.

Identify

Surface mule rings, deepfake KYC, and prompt-engineered social-engineering attempts the moment they touch the rail — not after reconciliation.

Quantify

Per-rail loss exposure, attacker-cohort sizing, and probable monthly leakage with confidence intervals — the language your CFO and board want.

Prevent

Inline block, step-up authentication, transaction throttling, and beneficiary cool-downs applied at switch speed without breaking good customer flows.

Comply

RBI Master Direction on Digital Payment Security, FIU-IND STR/CTR formats, PMLA evidentiary trail, and DPDP-aligned data handling — generated, not bolted on.

Recover

Automated recall orchestration across UPI Chargeback, IMPS dispute, and SWIFT pacs.004 — with beneficiary-bank workflow tracking through to credit-back.

Defend

Adversarial red-team replay. We continuously simulate the latest LLM-assisted attacks against your live policy and report drift before fraudsters find it.

Preventive Playbook

Six rules live on day one — tuned to your portfolio in week one.

Customizable via decision DSL

R01

First-time beneficiary above ₹25k with novel device → step-up with liveness-verified video

R02

Sub-₹5k bursts to >10 unique VPAs within 30 minutes → soft hold + analyst review

R03

AEPS withdrawal velocity exceeding agent-cohort baseline → terminal-level suspend

R04

SWIFT MT103 to first-seen BIC corridor → callback with voice-biometric challenge

R05

Inbound credit followed by full sweep within 90 seconds → 24-hour hold on outbound leg

R06

How BoltShield helps

One decision fabric. Three operator profiles. Measurable loss reduction for each.

Banks, fintechs, and payment infrastructure operators face different fraud economics — but the underlying graph of money, identity, and intent is the same. BoltShield exposes that graph as actionable decisioning, shaped to the metrics each operator is measured on.

SCHEDULED COMMERCIAL & SMALL-FINANCE BANKS

For banks: shrink fraud loss without slowing the branch, app, or BC network.

Fraud, risk, and compliance leaders at Indian banks are squeezed between RBI's tightening guardrails, a 4× jump in AI-generated social-engineering attempts since 2024, and a customer base that expects UPI-grade latency on every channel. BoltShield replaces the patchwork of card-era rules engines, post-facto reconciliation, and Excel-driven STR filing with one graph-native decision fabric that runs across every rail the bank operates.

30–55%

rail fraud loss reduction in 2 quarters

<80ms

p99 inline decision latency

6 weeks

go-live on first rail

−40%

analyst hours per confirmed case

WHERE THE PAIN SHOWS UP → HOW BoltShield ANSWERS

Mule accounts opened via deepfake video KYC slipping past the v-CIP queue

→

Liveness-drift + document-graph cross-check at onboarding

UPI fund-flow rings that fragment ₹10L into 200 sub-₹5k legs in minutes

→

6-hop traversal at switch speed with auto-freeze on the sweep account

AEPS terminal cash-out collusion at BC outlets in tier-3 geographies

→

Per-terminal + per-operator behavioural baselines with auto-suspend

SWIFT MT103 social-engineered wires lost to first-seen BIC corridors

→

Voice-biometric callback workflow + 24-hour pacs.004 recall orchestration

Audit fatigue from rebuilding evidence packs for every FIU/RBI query

→

Deterministic replay + per-decision reason codes shipped with every alert

One decision plane across UPI, IMPS, AEPS, NEFT, RTGS, SWIFT

Retire 4–6 rail-specific rules engines and the integration tax they impose on every product launch.

Inline action, not after-the-fact alerting

Block, step-up, or cool-down at the switch in <80ms — your false-positive rate falls because the model sees the full graph, not a single transaction.

Regulator-grade explainability

Reason codes, feature contributions, and policy lineage attached to every decision — passes RBI SAR and FIU-IND audit on first read.

VPC-resident, DPDP-aligned deployment

Runs inside your data centre or our Mumbai/Hyderabad zones; no cross-border exfiltration, no shadow data lake.

WHERE THE PAIN SHOWS UP → HOW BoltShield ANSWERS

Synthetic identity rings exploiting instant onboarding to farm sign-up bonuses

→

Device + behavioural + document-graph triangulation at the first event

Account-takeover sprees after credential-stuffing on a partner property

→

Session-risk scoring that fuses login, KYC-edit, beneficiary-add, and transfer signals

First-party fraud (chargeback abuse, BNPL bust-out) eroding unit economics

→

Repayment-graph features + cohort-baselined intent scoring at underwriting

Sponsor-bank compliance escalations from inconsistent monitoring

→

Shared evidence pack the fintech and sponsor bank both consume — one source of truth

AI-scripted social engineering targeting support and KYC ops

→

Adversarial red-team feed simulating the latest LLM tactics against your live policy

API-first decision endpoints

Single /decide call returns score, reason codes, and recommended action — drop into the payment, KYC, or login flow without re-architecting.

Policy DSL owned by risk, not engineering

Risk analysts ship rule changes through a typed DSL with shadow-mode replay — no release-train coupling.

Sponsor-bank visibility built-in

Read-only evidence portal for your sponsor bank's compliance team; reduces back-and-forth that kills product velocity.

Outcome-linked commercials

Pay a share of leakage prevented, not a per-transaction tax that scales with your growth.

FINTECHS, NEOBANKS, PPI ISSUERS & LENDING PLATFORMS

For fintechs: ship growth features without inheriting the next regulator advisory.

Fintechs operate at the bleeding edge of customer experience and the bleeding edge of fraud. Every new product — co-branded card, BNPL flow, embedded UPI, cross-border remittance — opens an attack surface that incumbent rules engines were never designed to defend. BoltShield ships as a developer-friendly decision API that your platform team integrates in days, with policy controls your risk team owns directly.

<2 weeks

API integration to first decision

−60%

synthetic-onboarding success rate

3.5×

fraud-team throughput per analyst

0

per-transaction fees on clean traffic

PSPS, SWITCHES, NETWORKS & PAYMENT INFRASTRUCTURE

For payment infrastructure: protect the rail itself — every member benefits.

Switches, payment aggregators, card networks, and infrastructure operators sit on the highest-signal data in the ecosystem — and carry the heaviest reputational exposure when fraud propagates across members. BoltShield embeds as a network-level decisioning layer that scores at the rail and shares enriched intelligence back to issuers, acquirers, and merchants without ever moving customer PII outside their boundary.

Switch-class

throughput with <80ms p99

Federated

intel without PII movement

100%

of decisions independently replayable

Member ↑

trust as a network differentiator

WHERE THE PAIN SHOWS UP → HOW BoltShield ANSWERS

Cross-member mule networks invisible to any single issuer

→

Federated graph that links entities across members without sharing raw PII

Merchant-acquirer collusion and transaction-laundering schemes

→

MCC drift + settlement-graph anomaly detection at the aggregator layer

Sustained TPS during attack waves degrading legitimate traffic

→

Horizontally scaled scoring with circuit-breakers and graceful-degrade policy

Member SLAs demanding sub-100ms response with full explainability

→

<80ms p99 with reason codes attached — no trade-off between speed and transparency

Regulator pressure to demonstrate rail-level fraud monitoring

→

Network-wide dashboards, SAR-ready exports, and RBI-aligned attestation reports

Network-grade scale

Engineered for switch-class throughput with predictable tail latency under burst and brownout.

Privacy-preserving federation

Members contribute encrypted graph signals; raw PII never leaves their VPC, intelligence still propagates.

Member-facing intelligence feeds

Push enriched risk signals back to issuers and acquirers as a value-add that strengthens the network.

Rail-level attestation

Quarterly fraud-posture reports your regulator and member banks can both rely on.

Preventive Playbook

Six rules live on day one — tuned to your portfolio in week one.

Customizable via decision DSL

Loss curve, bent down

Measured rail-by-rail leakage reduction inside two quarters — baselined against your own last four quarters, not a vendor benchmark.

Latency budget, respected

<80ms p99 inline decisioning means risk never becomes the reason a good customer abandons a payment.

Regulator, on your side

Every decision ships audit-ready: reason codes, feature contributions, deterministic replay, DPDP-aligned data handling.

Operating model, upgraded

Analysts work cases enriched with full graph context — investigation time per confirmed case drops by 40%+.

Why BoltShield

The first fraud platform engineered for India's rails — and for attackers who use AI.

Most India fraud-tech is a card-era rules engine with a UPI adapter. BoltShield is graph-native, AI-adversarial, and built around the way Indian payments actually move money.

CAPABILITY	✕ TYPICAL INDIA FRAUD-TECH	✓ BoltShield
Detection substrate	Tabular features + rules	Native graph with 47 edge types
Decision latency	200–600 ms (often async)	<80 ms p99, inline
Rail coverage	Mostly cards + UPI	UPI, IMPS, AEPS, NEFT, RTGS, SWIFT — one fabric
Model refresh	Quarterly batch retrain	Nightly retrain + shadow replay
AI-attack readiness	Static rules, brittle to LLM tactics	Adversarial red-team built-in
Explainability	Black-box scores	Per-decision reason codes for RBI/FIU
Deployment	Months of ETL & sandbox	Drop-in connectors, 6-week production cutover
Pricing model	Per-transaction tax on growth	Outcome-linked: paid against leakage prevented

Graph-native, not graph-bolted

Built from the ground up on a payments knowledge graph — we don’t shoehorn graph queries onto a Postgres warehouse.

Built for the AI-attack era

Adversarial pipelines simulate deepfake KYC, voice-cloned callbacks, and LLM-scripted social engineering against your live policy weekly.

Explainable to your regulator

Every decision ships with reason codes, feature contributions, and a deterministic replay — passes RBI and FIU-IND audit on first read.

India-resident by default

Data plane runs inside your VPC or our Mumbai/Hyderabad zones. DDP-aligned, RBI data-localisation compliant.

Production in six weeks

Reference connectors for Finacle, FLEXCUBE, BaNCS, TCS, Infosys, and the NPCI switch.

Built with Indian banks

Designed alongside fraud and risk leaders from public-sector, private, and small-finance banks.

THE LEAKAGE BET

We get paid only when we cut your fraud losses.
If we don't, you don't pay.

Sign with us on an outcome-linked contract: a measured baseline of your last four quarters of rail-by-rail fraud losses, a 90-day deployment, and a 12-month measurement window. BoltShield’s fee is a fixed share of verified leakage prevented — audited by your internal team and a Big-Four assurance partner. Zero prevention, zero invoice.

BASELINE

Your last 4 quarters of measured fraud loss

WINDOW

12 months from go-live, rail-by-rail

FEE

Share of verified leakage prevented — never of GMV