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Fraud detection and compliance for fintechs

Follow the money.Stop the fraud.Stay compliant.

FundTrail traces money across wallets, accounts and days, stops fraud before the money is gone, and keeps your regulatory house in order.

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Built in Ghana. Web, Windows and macOS.

Fraud detection/Money flowSample data
SOURCESPLIT IN 14 MINCASH-OUTWallet ··4471GH₵48,200 inWallet ··8120GH₵12,050Wallet ··3306GH₵12,050Wallet ··9054GH₵12,050Wallet ··2217GH₵12,050Agent till K-118GH₵24,100 outAgent till K-204GH₵24,100 out

Fraud does not happen in one transaction. It moves: across wallets, accounts and days. FundTrail follows it end to end, and keeps your compliance in order while it does.

Mobile walletBank accountCardAgent cash-out

Fraud detection

See the whole journey of the money, not one transaction at a time.

From the first event your systems record to the report you file, every step lives in one place.

Data sourcesConnected
Mobile money ledger
Transactionsstreaming
Auth service
Loginsstreaming
Card processor
Transactionsstreaming
Core banking
Needs a categorypaused
Your customers' data is protected at every step.
Money flowwhat happened, step by stepSample
  1. 1
    Money arrives in one wallet3 deposits from new senders
    GH₵48,200
  2. 2
    Split across four walletsall opened in the last 9 days
    4 × GH₵12,050
  3. 3
    Cashed out at two agent tills14 minutes after arrival
    GH₵48,200
  4. 4
    Payouts held, waiting for approvalfraud lead notified
    on hold
AlertA-3381Sample
Highneeds approval · fraud lead

Structuring across linked wallets

GH₵48,200 moved through four linked wallets and out as cash.

Why it was flagged

The four wallets are linked, each received GH₵12,050 and each withdrew it as cash inside 14 minutes.

Approve holdOpen as caseDismiss
Case C-0192opened from alert A-3381Sample
Evidence attachedmoney flow and 12 transactions
done
Analyst decisionconfirmed fraud · A. Mensah
done
STR draftnarrative written from the case
ready for review
Filingsecond reviewer signs off
waiting
Every step is recorded with who did it and when.
Detection qualityfalse positives, last 12 weeksSample
40%30%20%10%12 weeks agothis week
Sample chart. Your own numbers appear here.

Money flow

One scheme, told the way an investigator would tell it.

An example1 / 4

STEP 01

Money arrives

Three senders nobody has seen before pay into one wallet within an hour.

in, this hourGH₵48,200
STEP 02

It splits

The wallet sends equal amounts to four others, each opened in the last nine days.

4 wallets, eachGH₵12,050
STEP 03

It leaves as cash

Fourteen minutes later all four withdraw at two agent tills.

out, in 14 minutesGH₵48,200
STEP 04

FundTrail holds it

FundTrail connects the steps, explains why they belong together and asks your fraud lead to approve a hold.

held for approvalGH₵48,200

Built for trust

Your data stays yours. Your people stay in charge.

  • Private by design

    Your customers' information is protected at every step. You never hand over more than you should.

  • People approve what matters

    You decide what FundTrail may do on its own. Anything that affects a customer waits for a named person.

  • Every decision on record

    See why something was flagged, what was done about it and who signed off. Ready when a regulator asks.

ProtectedApproved by youOn record

See where your money really goes.

We will walk you through FundTrail on your own use case and answer the hard questions.

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