Behavioral Fraud Prevention

We don’t just verify who you are.
We verify how you behave.

AuraFi is the first payments platform in Africa that stops fraud before it happens — using real-time behavioral intelligence, not just passwords.

PCI-DSS aligned mTLS internal 24/7 monitoring

Live Transaction

Sending to Adebayo O.

Completed

Amount

₦25,000.00

Trust Aura Score

Live behavioral analysis

Trust Aura88

Typing

Normal

Device

Known

Location

Lagos

The problem

Passwords don’t stop fraud. Behavior does.

Stolen credentials, SIM swaps, and social engineering pass every traditional check — because they confirm identity, not intent. The industry keeps building thicker locks on the same door. AuraFi asks a different question: does this actually look like the account owner?

1 in 3

Nigerian adults hit by fraud attempts (industry)

$4.3B

Global authorized-push-payment fraud losses (illustrative)

87%

of frauds pass traditional 2FA and KYC (illustrative)

How it works

Four steps. Every transaction. Zero friction.

01

Read

Device signals — typing rhythm, session pattern, location, device — read silently.

02

Score

A Trust Aura Score (0–100) is generated server-side for every action.

03

Travel

That score travels with the transaction across every internal system.

04

Respond

Approve instantly, quietly quarantine via Shadow Mode, or decline.

The signature feature

They think they got away with it. They didn’t.

When our score drops below threshold, we don’t alert the attacker. The transaction looks successful— while it’s silently quarantined for review.

What the fraudster sees

Transaction Successful

Withdrawal

Amount₦42,000.00
ReferenceTX-8492A1
Status Completed

What actually happens

Fraud Review — Queue

Analyst on-call
TX-8492A1Shadow Mode

Withdrawal — ₦42,000.00

Unusual LocationNew Device
TAS 18 • flagged 12s ago

Everything you need

A complete stack. Underpinned by Aura.

Instant transfers

Send money to any bank in seconds via NIP.

QR & payment links

Get paid without sharing account details.

Virtual cards

Spin up disposable cards with hard limits.

Bill payments

Airtime, electricity, data and cable TV.

Savings wallet

Illustrative 4.5% p.a. on idle balance.

Spending analytics

Category breakdowns and top merchants.

Multi-currency

Send across borders with mock FX rates.

Merchant dashboard

Track payments, API keys, webhooks.

Invoicing

Create and collect on branded invoices.

Real-time NIP transfer

Instant clearing via NIP/NIBSS (illustrative).

Fraud alerts + freeze

Get pinged, freeze the account with one tap.

2FA + BVN/KYC

Bank-grade onboarding without the drag.

For Businesses

Bring Trust Aura to your platform.

Score any transaction with our engine. Approve, quarantine or decline based on real behavior — not just credentials.

API Licensing

Embed our scoring engine in your rails.

Fraud-as-a-Service

Operations dashboard, SLAs, analyst tools.

business.score()
POST /api/business/score Content-Type: application/json { "amount": 25000, "currency": "NGN", "signals": { "typing_speed": 4.2, "location": "Lagos", "new_device": false, "session_duration_ms": 42000 } }
Live response from /api/business/score
{
  "transaction_id": "tx_demo_76b89492",
  "currency": "NGN",
  "amount": 25000,
  "trust_score": 90,
  "flags": [],
  "signal_labels": [],
  "recommended_action": "allow",
  "scored_at": "2026-07-04T23:33:55.233149+00:00"
}

Security & Trust

Bank-grade security, by design.

Encryption at rest

AES-256 across primary and backup stores.

mTLS between services

Zero-trust boundaries between microservices.

Secrets management

HSM-backed key custody and rotation.

24/7 monitoring

Real-time anomaly detection and paging.

PCI-DSS aligned

Illustrative production practices.

Third-party pentests

Independent audits, illustrative.

AuraFi is a product concept built for a hackathon demo. These practices reflect intended production architecture and are not licensed financial services.

Pricing

Simple, transparent pricing.

Illustrative pricing, subject to change.

Personal

Free

1.4% + ₦50 per tx

  • Standard TAS protection
  • 2FA + biometric login
  • ₦500,000 monthly limit
Most popular

Personal Plus

₦1,500

per month

  • 0.9% + ₦25 per tx
  • Priority Shadow Mode review <5 min SLA
  • Higher limits
  • Dedicated fraud support

Business API

from ₦50,000

per month + usage

  • TAS engine API access
  • Fraud-as-a-Service dashboard
  • Custom risk thresholds
  • Dedicated integration support

Loved by early users

Real people. Real trust.

Testimonials are illustrative placeholders for demo purposes.

“AuraFi caught two fraud attempts on our team accounts before we did. Shadow Mode is quietly brilliant.”

CE

Chidinma E.

CFO, BrightHomes

“The behavioral scoring felt invisible — which is exactly what a good security layer should be.”

IN

Ifeanyi N.

Freelancer

“Wired up their scoring API in an afternoon. Our chargebacks dropped meaningfully in illustrative testing.”

AO

Adebayo O.

CTO, ZenithConsulting

“Their onboarding is the only KYC our users don’t complain about.”

BE

BrightHomes Estate

Business partner

FAQ

Common questions

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