AuraFi is the first payments platform in Africa that stops fraud before it happens — using real-time behavioral intelligence, not just passwords.
Live Transaction
Sending to Adebayo O.
Amount
₦25,000.00
Trust Aura Score
Live behavioral analysis
Typing
Normal
Device
Known
Location
Lagos
The problem
Stolen credentials, SIM swaps, and social engineering pass every traditional check — because they confirm identity, not intent. The industry keeps building thicker locks on the same door. AuraFi asks a different question: does this actually look like the account owner?
$504B
Global fintech revenue in 2025, up 22% YoY (BCG & FT Partners, 2026)
1 in 3
Nigerian adults hit by fraud attempts (industry)
87%
of frauds pass traditional 2FA and KYC (illustrative)
How it works
Read
Device signals — typing rhythm, session pattern, location, device — read silently.
Score
A Trust Aura Score (0–100) is generated server-side for every action.
Travel
That score travels with the transaction across every internal system.
Respond
Approve instantly, quietly quarantine via Shadow Mode, or decline.
When our score drops below threshold, we don't alert the attacker. The transaction looks successful— while it's silently quarantined for review.
This isn't a hypothetical approach — one credit-union fraud program using predictive, behavior-based detection saved an estimated $35M across 1,500 institutions in 18 months while cutting response time by 99% (Emburse, 2026). AuraFi's TAS engine is built on the same underlying principle.
What the fraudster sees
Transaction Successful
Withdrawal
What actually happens
Fraud Review — Queue
Analyst on-callWithdrawal — ₦42,000.00
Everything you need
Instant transfers
Send money to any bank in seconds via NIP.
QR & payment links
Get paid without sharing account details.
Virtual cards
Spin up disposable cards with hard limits.
Bill payments
Airtime, electricity, data and cable TV.
Savings wallet
Illustrative 4.5% p.a. on idle balance.
Spending analytics
Category breakdowns and top merchants.
Multi-currency
Send across borders with mock FX rates.
Merchant dashboard
Track payments, API keys, webhooks.
Invoicing
Create and collect on branded invoices.
Real-time NIP transfer
Instant clearing via NIP/NIBSS (illustrative).
Fraud alerts + freeze
Get pinged, freeze the account with one tap.
2FA + BVN/KYC
Bank-grade onboarding without the drag.
For Businesses
Score any transaction with our engine. Approve, quarantine or decline based on real behavior — not just credentials.
African fintech is entering its second wave — moving beyond peer-to-peer payments into B2B rails, merchant financing, and embedded fraud tooling (BCG & FT Partners, Global Fintech Report 2026). AuraFi's TAS engine is built for exactly that shift.
API Licensing
Embed our scoring engine in your rails.
Fraud-as-a-Service
Operations dashboard, SLAs, analyst tools.
{
"transaction_id": "tx_demo_cffebe1a",
"currency": "NGN",
"amount": 25000,
"trust_score": 83,
"flags": [],
"signal_labels": [],
"recommended_action": "allow",
"scored_at": "2026-08-07T10:37:59.798095+00:00"
}Security & Trust
Encryption at rest
AES-256 across primary and backup stores.
mTLS between services
Zero-trust boundaries between microservices.
Secrets management
HSM-backed key custody and rotation.
24/7 monitoring
Real-time anomaly detection and paging.
Compliance-as-a-Service
Built-in RegTech is now standard practice industry-wide, not optional (Global Fintech Report 2026).
Third-party pentests
Independent audits, illustrative.
Sovereign and decentralized digital identity systems are becoming the standard framework for secure, compliant onboarding across the industry (Global Fintech Report 2026) — the same principle behind AuraFi's KYC flow.
AuraFi is a product concept built for a hackathon demo. These practices reflect intended production architecture and are not licensed financial services.
Loved by early users
Testimonials are illustrative placeholders for demo purposes.
"AuraFi caught two fraud attempts on our team accounts before we did. Shadow Mode is quietly brilliant."
Chidinma E.
CFO, BrightHomes
"The behavioral scoring felt invisible — which is exactly what a good security layer should be."
Ifeanyi N.
Freelancer
"Wired up their scoring API in an afternoon. Our chargebacks dropped meaningfully in illustrative testing."
Adebayo O.
CTO, ZenithConsulting
"Their onboarding is the only KYC our users don't complain about."
BrightHomes Estate
Business partner
FAQ
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