FinX FraudIQ

Real-time fraud prevention across digital channels

Velocity, device fingerprinting, circular transfers, dormant abuse, mule clusters, and behavioural analytics on unified transaction feeds.

System Status
Real-time Aggregation Active
Monitoring 14 Institutions
Fraud prevention
Fraud prevention
Metrics

01 / 06

Velocity-based fraud detection

Unusual velocity at account, device, and network level: burst sequences, high-frequency transfers in short windows, and threshold-testing behaviour.

Burst detection

Per-minute transfer spikes vs baseline

Channel velocity

Wallet, API, and card velocity windows

Threshold testing

Repeated just-below-limit sequences

Identity

02 / 06

Device fingerprinting

Device identifiers, session context, and behavioural signals to flag activity from known or suspected fraud devices.

Device graph

Shared hardware fingerprints across accounts

Session context

IP, carrier, and app attestation signals

Takeover heuristics

Credential and SIM-swap risk overlays

Patterns

03 / 06

Circular transfer detection

Identify funds looping between accounts without legitimate commercial purpose, returning to an origin or linked account.

Loop detection

Closed paths with no economic offset

Fan-in / fan-out

Rapid in-and-out through intermediaries

Return-to-origin

Funds cycling back to source accounts

Anomalies

04 / 06

Dormant account abuse

Detect sudden high-value use after long dormancy when it departs materially from established history.

Dormancy delta

Sudden use after long inactivity windows

History deviation

Material departure from prior behaviour

Reactivation bursts

Coordinated wake-up across clusters

Clusters

05 / 06

Mule account clusters

Uncover coordinated small inflows and rapid outflows, shared device or location signals, and graph linkages typical of mule networks.

Mule fan patterns

Many small inflows, few large outflows

Shared locations

Geo concentration across linked accounts

Graph communities

Louvain-style cluster highlighting

Machine Learning

06 / 06

Behavioural analytics

Profiles for accounts and entities with machine learning on historical activity to spot meaningful deviations.

Behaviour profiles

Per-account baselines and drift scoring

Anomaly ranking

Top-N deviations for analyst triage

Feedback loop

Labels improve model calibration over time

National oversight, ready for the digital economy.

Authorised users can enter the secure workspace to work alerts, cases, and supervisory views connected to FINX.

99%
Detection rate
Real-time
Aggregation
360°
Entity resolution
FATF
Aligned