Fraud detection for mobile money and USDC in West Africa.

RiskGuard scores every transaction against velocity rules, sanctions lists, and Neo4j graph patterns. Built for the fraud patterns we actually see in UEMOA — SIM swap, agent collusion, split transactions.

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evaluate.sh

curl -X POST /risk/evaluate \
  -d '{
    "transaction_id": "txn_8k2m9x",
    "amount": 250000,
    "currency": "XOF",
    "sender": "usr_awa_diallo",
    "receiver": "usr_merchant_42",
    "channel": "mobile_money"
  }'

// → { "score": 0.12, "action": "allow" }
// → latency: 23ms

How it works

Every transaction runs through four layers. Takes 20-50ms.

STEP 01

Rule Engine

Velocity checks, amount thresholds, time-of-day rules, and geo-fencing. You define the rules in YAML — no code deploys needed. Example: "flag if same phone sends > 500K XOF in 1 hour across 3+ merchants."

STEP 02

Graph Analysis (Neo4j)

Every user, device, phone number, and merchant is a node. Every transaction is an edge. RiskGuard detects rings, mule chains, and collusion patterns that rule engines miss.

STEP 03

Sanctions & Watchlist Screening

UN, OFAC, EU, and BCEAO sanctions lists. Updated daily. Fuzzy name matching handles transliteration across French, Arabic, and local names.

STEP 04

Score & Decision

Weighted composite score from all three layers. Returns allow / review / block with reasons. All decisions logged for compliance audit.

Read the full documentation

Built for

Teams that move money in West Africa.

Mobile Money Operators

Score every P2P transfer, agent cash-in/cash-out, and merchant payment. Detect SIM swap fraud, split transactions, and agent collusion rings in real-time.

USDC / Crypto Platforms

Screen on-ramp and off-ramp transactions. Flag structuring patterns (multiple small deposits below reporting thresholds). Sanctions check every wallet interaction.

Banks & Microfinance

Layer RiskGuard on top of existing core banking. API integrates with any system that can make HTTP calls. Compliance-ready reporting for BCEAO audits.

Architecture

What's running under the hood.

NestJS API, Neo4j graph database, Redis velocity cache, PostgreSQL audit log. Stateless. Scales horizontally on Kubernetes.

API Layer

NestJS + TypeScript

OpenAPI 3.0 spec, HMAC-signed webhooks, per-org API keys

Rule Engine

YAML-configurable

Hot-reload rules without redeploy. Velocity windows in Redis.

Graph Database

Neo4j 5.x

Cypher queries for ring detection, shortest-path, community detection

Sanctions

Daily sync + fuzzy match

UN, OFAC, EU, BCEAO lists. Levenshtein + phonetic matching

Audit Trail

PostgreSQL

Every decision logged with full context. Queryable via API

Deployment

Kubernetes / Docker

Helm chart included. Prometheus metrics, health checks

Start evaluating transactions in 5 minutes.

One API key, one POST request. First 1,000 evaluations free every month.

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