FINANCIAL CRIME PREVENTION
End-to-end fraud prevention at the speed of instant payments
Detect and block instant payment fraud in real time, without introducing friction for customers or creating operational bottlenecks.
Real-time payments fraud: A growing operational and reputational threat
European financial institutions have boosted their fraud-prevention budgets by 67%. But the latest publicly available figures show they’re losing the battle, largely because of a rise in instant payment fraud [1]
The Challenge:
Instant means irreversible
Speed is instant payments’ greatest asset — and greatest vulnerability.
Bad actors exploit this to funnel stolen funds through multiple mule accounts until they’re untraceable and recovery is impossible.
And since any delay longer than a few seconds breaks the promise of instant payments, traditional techniques like queuing, holds, and post-transfer investigations simply aren’t an option.
17%
year-on-year
increase in payment fraud in the UK and EU
€1.2
billion
the total value of credit transfer fraud in 2024
10x
85%
of payment fraud losses are unrecovered
Vyntra: Too fast for fraud
SMART
Purpose-built for split-second decisions
SMOOTH
Keeps payments flowing without noticeable friction
SELF IMPROVING
Identifies and adapts to evolving fraud patterns
SUPER-FAST
Scores transactions in 50ms or under
How Vyntra Helps
Real-time detection
Continuous, AI‑assisted analysis across payment channels spots location mismatches, unusual beneficiaries, amounts, and transaction volumes, and other anomalies 'at the gate', before payment leaves the customer's account.
Holistic monitoring
Instant and regular transfers are operationally separate, but detection and investigation draw from a single, unified pool of customer data, ensuring that nothing falls through the cracks without creating a single point of failure.
Laser-focused investigation
The system picks the most impactful flagged transactions for review, minimizing analysts' workloads. Every decision is broken down by contributing factors and their weighting, and ensuring auditability, consistency, and transparency.
Future-proof fraud-prevention
Baseline profiling and risk-scoring enable the system to detect test transactions, sequential transfers, and other diversification tactics, preventing beneficiary rotation, incremental patterns, and other techniques designed to bypass rules-based controls.
Challenge We Solve
Complex, continuously evolving fraud patterns
Alongside individual transactions, our solution evaluates patterns over time — detecting APP scams, layering, rinsing chains, and other sophisticated techniques that static rules-based controls miss.
- Detects complex fraud patterns early
- Exposes APP scams, layering & rinsing chains
- Connects hidden transaction signals
- Adapts where static controls fail
Capacity constraints
Active sampling and human-in-the-loop feedback enable fraud teams to operate at speed and scale — without unsustainable headcount growth, blanket holds, or one-size-fits-all logic.
- Scale fraud prevention without scaling headcount
- Human-in-the-loop for smarter decisions
- No blanket block-and-hold reviews
- No rigid, one-size-fits-all rules
Precision at Scale
Dial in hit rates across payment channels and markets to meet regulatory requirements and customer expectations — wherever you operate.
- Maximize hit rates with pinpoint precision
- Optimize detection across every payment channel and market
- Adapt to local regulatory requirements
- Stay compliant without slowing operations
360° Customer Intelligence
Cross-channel modelling gives you a 360° view of customer behavior, ensuring your analysts always have the full picture instead of being forced to make decisions in a vacuum.
- Unify behavior across all channels
- Gain a 360° view of customer behavior
- Eliminate siloed decision-making
- Empower analysts with complete context
