Real-time Intervention
MoneyGuard assesses fraud risk in real time and triggers appropriate warnings, step-up verification or transaction controls executed by the institution.
Reduce fraud losses. Resolve incidents faster. Protect customer trust.
MoneyGuard embeds real-time fraud intervention, governed resolution and insurance-backed reimbursement into your digital channels. Turn customer protection into a core operating capability.
Up to 80%reduction in successful fraud incidents originating from the customer's digital environment, within the tested channelSimulation and PoC result
MONEYGUARD · POLICY RESPONSE
- Session
- mb-7f3a · 14:32:08
- Channel
- Mobile banking
- Amount
- ₦250,000.00
- Beneficiary
- New · first transfer
- Signals
- Remote access active · Call in progress
- Scenario
- Impersonation (covered)
- Risk
- High
ALLOWSTEP-UPDENY
Agreed policy · Control executed by the institution
The transaction is not the end of the customer experience.
When a customer loses money to fraud, the trust they have in your institution breaks, regardless of fault. The way you handle the incident determines whether they stay or leave.
One connected solution from intervention to recovery
- PREVENT
Prevention
Detect covered device, behavioural and network risks.
- DECIDE
Decision
Signal ALLOW, STEP-UP or DENY under agreed policy, for the institution to execute.
- RESOLVE
Resolution
Orchestrate evidence, investigation and customer communication.
- REIMBURSE
Reimbursement
Administer eligible claims and approved payments.
- RETAIN
Retention
Turn a difficult incident into visible protection and restored trust.
Turn protection into an operating capability
MoneyGuard integrates through a lightweight SDK and secure APIs, without access to the institution's ledger or authority to move funds. If MoneyGuard is unavailable, the banking channel continues to operate.
In-app Resolution
Guide customers through a frictionless reporting process natively within your banking app.
Insurance Backing
Transfer the balance sheet risk of fraud reimbursement to regulated insurance carriers.
SLA-driven Operations
Commit to an eligibility decision within 48 hours for at least 80% of reported incidents, and reimbursement within seven days for eligible losses, subject to policy terms.
Governed Eligibility
Remove manual guesswork with a standardised framework for assessing claims.
Strategic Analytics
Gain visibility into fraud attempts, incident patterns, and resolution metrics.
Value customers can feel. Outcomes institutions can measure.
- Reduce covered retail digital fraud losses and associated operational leakage.
- Resolve incidents faster and reduce avoidable complaints, escalations and investigation friction.
- Protect primary-account relationships when customer trust is under pressure.
- Differentiate your digital proposition with protection customers can see and understand.
- Bring intervention, resolution and reimbursement under one governed model.
What has been measured, and how.
Results below come from proof-of-concept work with a Nigerian financial institution. Each figure carries the context it was produced in. We publish nothing that has not been validated and signed off internally, which is why this list is shorter than it could be.
- Up to 80%
- reduction in successful fraud incidents originating from the customer's digital environment, within the tested channelSimulation and PoC result
- 99.95%
- platform uptime observed during proof of conceptPoC observation, not a contractual service level
- ~3 MB
- mobile SDK size in the validated implementationValidated implementation
- ≤400 ms
- API response at p95Subject to final SLA and deployment design
Proof-of-concept and simulation results describe the conditions they were measured under and are not a forecast of production performance. Detailed methodology is available to institutions under NDA.
Start with agreed covered fraud scenarios.
We don't do rip-and-replace. Run a scoped 90-day pilot focusing on the specific fraud vectors hurting your customers the most. Prove the intervention model, test the resolution workflows, and measure the impact before full rollout.
| Duration | 90 days |
|---|---|
| Eligible accounts | Up to 100,000, calibrated to the partner's base and use case |
| Initial channel | Mobile banking or wallet |
| Coverage | Agreed consumer fraud scenarios and benefit limits |
| Service targets | Eligibility decision within 48 hours for at least 80% of reported incidents; approved reimbursement within seven days for eligible losses |
| Implementation | SDK/API integration, workflow configuration, test scenarios and controlled launch |
What the pilot should measure
- Detection and intervention performance by covered fraud scenario.
- False positives, customer friction and step-up completion.
- Incident-reporting quality and time to eligibility decision.
- Approved reimbursement speed and customer communication quality.
- Complaint, escalation and investigation workload.
- Customer perception of safety, trust and willingness to continue.
- Commercial value and the case for portfolio-scale deployment.
Target eligibility decisions within 48 hours for at least 80% of reported incidents. Reimbursement applies to fraud losses eligible under the applicable cover and is subject to cover limits, exclusions and policy terms. The seven-day period begins when the fraud incident is reported through the designated reporting channel.
