Real-time fraud protection for India’s 640M+ daily UPI transactions
Varaksha.
UPI Fraud Defense Network
The Problem
₹1,750Cr
Lost to UPI fraud last year
FY 2024
— RBI Annual Report 2024
The Scale
640M
UPI transactions every single day
Real payments, real people
— NPCI
Model Performance
96.52%
Fraud Detection Accuracy (V2)
111K rows · RF + LightGBM fusion · ROC-AUC 0.9952
— Varaksha V2 · validated Mar 2026
Our Speed
<10ms
To deliver a fraud verdict
Faster than a human blink
— Varaksha Gateway · Criterion.rs
Who We Protect
44%
Indians can’t read an English fraud alert
Varaksha alerts in your language
— India BRICS Language Survey
Hit
0
Miss
0
Intercept
0
Total
0
How We Designed This
Instant payments.
Intelligent fraud defence.
The Challenge
Every UPI transaction settles in under 15 seconds. If your fraud model sits on that critical path — between the user and their bank — one slow inference call can stall payments for millions of people. That’s the tradeoff every legacy system forces you to accept.
How We Solve It
Our Rust gateway reads from a shared risk cache and returns ALLOW / FLAG / BLOCK in under 10 ms — without ever calling the ML model in real time. The Random Forest and graph agent run entirely in the background, writing better signals into the cache after every transaction.
L1
ML Engine
RF-300 · IsolationForest · SMOTE
L2
Rust Gateway
DashMap · SHA-256 · <10ms
L3
Graph Agent
NetworkX · Fan-out · Cycles
L4
Alert Agent
LLM · Hindi alert · edge-tts
L5
Dashboard
Real-time Verdict Stream