by Cloudastra Technologies

Stop fraud
before it settles. clears. moves. lands.

SecureFlow intercepts UPI, IMPS, RTGS and cross-border payments in real time, scoring risk, executing rule logic, and deciding pass / flag / block before funds settle.

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ISO 20022 ready India-residency ready
The reality

Fraud doesn't wait for manual reviews.

Real-time payment rails moved settlement from "tomorrow" to "the moment you tap send." Fraud followed. Reactive systems and overnight batch monitoring can't keep up with attack patterns built specifically to exploit instant rails.

  • Instant rails, instant losses

    Once funds clear, recovery is rare. Detection has to happen before settlement, not after.

  • Patterns evolve weekly

    Smurfing, mule networks and velocity abuse mutate faster than quarterly rule releases can cover.

  • Opaque black-box vendors

    Regulators ask "why did this transaction pass?" Proprietary engines often can't tell you.

How it works

Intercept transactions
mid-flight.

SecureFlow sits between transaction initiation and final clearance. Every payment runs through a five-stage pipeline that scores risk, executes parallel rule logic, and resolves into one of three decisions, before funds move.

  1. 01

    Ingest

    Validates payment schema & tenant identity at the edge.

  2. 02

    Route

    Network map directs each transaction to the right rules.

  3. 03

    Evaluate

    Velocity, sanctions, amount & custom logic run in parallel.

  4. 04

    Score

    Rule outcomes aggregate into typology scores.

  5. 05

    Decide

    Thresholds applied. Pass, flag, or block, instantly.

NALT

No Alert

Clean transaction. Passed all checks and typology screens.

ALRT

Alert

Suspicious patterns detected. Flagged for analyst review.

RJCT

Reject

High-confidence fraud. Blocked before funds leave.

The thought process

A million signals.
One confident decision.

SecureFlow doesn't think in single rules. It thinks in patterns. Every transaction is interrogated by dozens of parallel risk processors, aggregated into typology scenarios, and resolved into one decision: pass, flag, or block.

01
Pattern recognition

Velocity, geo, device, behavior and counterparty signals scored simultaneously.

02
Typology synthesis

Individual signals compose into named scenarios: mule networks, smurfing, account takeover.

03
Explainable decision

Every outcome ships with the exact reasoning trail. No black boxes, no regulator surprises.

Recognizing pattern...
tx_01
tx_02
tx_03
tx_04
Mule network
12
Smurfing
07
Acct takeover
04
DECISION RJCT
RULE-12
RULE-47
SIGNAL
SCORE
What it does

Everything risk & compliance teams need, in one platform.

Real-time decisioning, configurable rules without engineering tickets, and the audit trail your regulators expect.

No-code rule builder

Compliance and risk teams design, test, and ship new rules in hours, without filing an engineering ticket.

WHEN
amount > ₹50,000
AND geo = "high-risk"
AND velocity > 3/min
THEN
BLOCK + append to audit log

Real-time interdiction

Reject before settlement. Stop losses at source, not in recovery queues.

Typology scoring

Aggregate risk signals into named scenarios: mule networks, smurfing, account takeover, velocity abuse.

Hub & spoke architecture

Asynchronous messaging via NATS JetStream. Scale rule engines independently based on load.

Audit-grade trails

Every decision logged with full reasoning. Regulator-ready exports on demand.

ISO 20022 native

Built for pacs.008, pacs.002 and modern payment messaging. REST and gRPC APIs.

Designed for the Indian financial ecosystem.

Pre-configured for RBI compliance posture, PMLA reporting and UPI-specific risk patterns, so you stay aligned from day one, not month six.

UPI pattern monitoring
PMLA reporting (CTR/STR)
Indian sanctions integration
RBI compliance posture
ISO 20022 (pacs.008 / 002)
Data residency in India
Pricing

Pricing that scales with your volume.

Pilot the platform with us, then move to production. Pricing scales with your transaction volume, not seats, not rules.

Pilot
Evaluation pilot
For institutions evaluating SecureFlow before going to production.
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  • Pilot transaction volumes
  • Pre-built rule library
  • Analyst dashboard
  • Email support
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Growth
Production
For banks & payment networks running in production.
Custom
  • Production transaction volumes
  • No-code rule builder
  • Custom typologies
  • Production support
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Enterprise
National scale
For large banks, payment networks & national switches.
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  • On-prem & sovereign cloud
  • Dedicated solutions team
  • Custom integrations
  • Enterprise procurement support
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Not sure which fits? Book a scoping call and we'll figure it out together.

FAQ

Answers for buyers, not just engineers.

How long does deployment take?
Timelines depend on integration scope: number of payment rails, existing case-management systems, and whether you deploy on cloud or on-prem. Pilot deployments are typically faster than full production rollouts. We'll give you a concrete timeline after the scoping call once we understand your environment.
What support model is available?
Pilot tier ships with email support. Production tier includes incident response and a named customer-success engineer. Enterprise plans add a dedicated solutions architect and quarterly rule-tuning reviews. Exact SLA tiers are confirmed in the commercial agreement based on your operating posture.
Which integrations and payment rails are supported?
Native support for UPI, IMPS, NEFT, RTGS, SWIFT and ISO 20022 messaging (pacs.008, pacs.002). REST and gRPC APIs available. We integrate with major core banking systems, payment switches and case-management platforms, and we'll build connectors you need as part of onboarding.
What about compliance and certifications?
The platform is designed around RBI compliance posture, PMLA reporting, and ISO 20022 messaging. Data residency in India is supported. Specific security certifications and vendor-risk packs are discussed during procurement. Happy to share what we have and our roadmap when you reach out.
How is pricing structured?
Production pricing is volume-based, by transactions evaluated per month, not per seat or per rule. Pilots are available, so get in touch and we'll discuss what makes sense for your environment. We provide a written commercial proposal after the scoping call.
Can compliance teams build rules without engineering support?
Yes. The visual rule builder lets compliance and risk teams design, test against historical data, and deploy new rules without filing engineering tickets. Engineers retain full code-level control for advanced typologies and custom integrations.
Talk to us

Book a demo with our solutions team.

See how SecureFlow works, walk through the architecture, and get your questions answered.

  1. 1A call with a solutions engineer, no sales pitch.
  2. 2We talk through your payment rails & compliance posture.
  3. 3You get clear next steps and a written follow-up.
[email protected]
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