Banking, Financial Services and Insurance
🇮🇳 India — RBI · SEBI · IRDAI · NBFCs · Banks
Authenticate Every UPI Transaction.
Trust Every Session.
India's banks face ₹11,000 Cr+ in synthetic identity fraud and ₹1,750 Cr in annual vishing losses. FaceOff ACE provides passive authentication, synthetic Aadhaar identity detection, and voice-clone blocking fully aligned to RBI Cyber Framework, SEBI circulars, IRDAI digital KYC, and DPDP Act 2023.
Platform for India BFSI
SyntheticFraudGuard AI — Aadhaar Graph
BehaviorBioAuth — UPI and NEFT Auth
DeepAudioGuard — Wire Clone Detection
ForgeIDGuard AI — Aadhaar and PAN Forensics
AML Intelligence — PMLA Graph Analysis
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₹11,000 Cr+
Synthetic identity fraud estimated annually across Indian banking sector
RBI Financial Stability Report 2024
₹1,750 Cr
Annual UPI and vishing fraud losses in India
Ministry of Home Affairs 2023
97.8%
FaceOff BehaviorBioAuth account takeover detection rate on session hijack scenarios
FaceOff Benchmarks 2024
FaceOff ACE Solution Suite for India BFSI
RBI · SEBI · IRDAI · PMLA 2002 · DPDP Act 2023 aligned
SyntheticFraudGuard AI — Aadhaar Graph
GraphSAGE identity graph detecting synthetic Aadhaar fraud rings at account opening
Key Capabilities
Maps PAN, Aadhaar, mobile and bank account relationships to detect Frankenstein clusters
Aadhaar Temporal Paradox detection — logically impossible CKYC activity sequences
CIBIL, Experian India and Equifax India tri-bureau integration with adverse action codes
All processing within India data centres — DPDP Act 2023 compliant pipeline
Use Cases
Jan Dhan account opening fraud · UPI payment fraud prevention · PMLA enhanced due diligence · Insurance proposal synthetic identity
BehaviorBioAuth — Continuous Session Auth
Passive re-authentication every 30 seconds for NEFT, RTGS and UPI high-value sessions
Key Capabilities
rPPG heart-rate from webcam — no wearable device required, zero biometric template stored
Keystroke dynamics and mouse micro-movement per 30-second rolling window
Blocks SIM-swap account takeover mid-transaction — DPDP Act 2023 compliant
AI face liveness continuous deepfake and face-swap detection on banking portals
Use Cases
NEFT and RTGS authorization · SEBI broker terminal access · RBI Video KYC assurance · Net banking insider threat detection
DeepAudioGuard + BehaviorLens AI
Real-time voice clone detection and behavioral KYC risk scoring for Indian banks
Key Capabilities
ElevenLabs, VALL-E and YourTTS fingerprint detection in under 2 seconds on live calls
Indian Evidence Act compliant Bayesian LR voice forensic reports for banking litigation
SEBI-required advisor call recording authentication — detects post-call audio substitution
BehaviorLens AI behavioral risk scoring for PMLA AML customer due diligence interviews
Use Cases
NEFT wire authorization · RBI Video KYC document check · IRDAI insurance onboarding · PMLA evidence reports for Enforcement Directorate
ForgeIDGuard AI — Document Forensics
Multi-stream CNN detecting forged Aadhaar, PAN and all seven India identity documents
Key Capabilities
Texture, barcode and semantic analysis of Aadhaar, PAN, Voter ID, Passport, DL and Bank Statements
UIDAI, ITD and CKYC registry real-time auto-validation on submitted documents
Detects photoshop manipulation, print-scan artifacts and AI-generated forgeries
IT Act 65B compliant forensic reports for ED and banking tribunal proceedings
Use Cases
RBI Video KYC onboarding · IRDAI digital KYC · PMLA identity verification · DigiLocker document authentication
Compliance
ISO 27001
CERT-In Empanelled
RBI Cyber Framework
SEBI Cybersecurity Circular 2024
IRDAI Digital KYC
PMLA 2002
DPDP Act 2023
IT Act 65B
UIDAI Validated
Platform Comparison
FaceOff ACE vs Legacy India BFSI Fraud Platforms
FaceOff ACE — India BFSI Dimension Legacy India Fraud Platforms
GraphSAGE Aadhaar identity graph — purpose-built for PAN-Aadhaar-CKYC ecosystem4,700-account Aadhaar fraud cluster detected · ₹78 Cr ring surfaced at account-opening stage
 Identity Western identity graph tools lack Aadhaar linkage — synthetic India identity rings pass undetected
BehaviorBioAuth passive re-auth blocks SIM-swap mid-NEFT transaction — zero frictionDPDP Act 2023 compliant — zero biometric templates stored · India DC processing only
 Session Auth OTP-only authentication — SIM-swap defeats SMS OTP, account takeover undetected after login
ElevenLabs clone detection in under 2 seconds on live NEFT authorization callsOnly platform in India detecting AI voice clones on live treasury calls · 97.3% accuracy
 Voice Fraud No real-time voice authentication on treasury calls — cloned promoter voice passes human review
All 7 India identity documents — Aadhaar, PAN, Voter ID, Passport, DL, Bank Stmt, DigiLockerUIDAI real-time QR validation · ITD PAN verification · CKYC registry cross-reference
 Document Coverage Partial document coverage — no UIDAI real-time validation or Aadhaar QR integrity check
When a point solution may suffice
No UPI or NEFT high-value transactions

Cooperative banks and small-finance banks with exclusively low-value payment profiles may not yet face the AI wire fraud vector at scale.

Physical branch-only KYC

Institutions doing exclusively in-person Aadhaar-biometric KYC at branch level face a lower synthetic identity risk than digital-first or Video KYC channels.

No RBI Video KYC channel

NBFCs and banks that have not activated RBI Video KYC for customer onboarding have not yet opened the AI-avatar substitution attack surface.

Common objections — answered
Our rule-based system catches Aadhaar fraud.
A 4,700-account Aadhaar synthetic ring siphoned ₹78 Cr before ED detected it — every account passed bureau rule-based checks. GraphSAGE detects the cluster at account-opening stage before any funds move.
We use OTP for NEFT and RTGS authorization.
SIM-swap defeats OTP. BehaviorBioAuth re-authenticates the actual user biometrically every 30 seconds throughout the transaction — blocks SIM-swap mid-wire without any friction to the legitimate customer.
DPDP Act 2023 compliance is our procurement gate.
BehaviorBioAuth stores zero biometric templates. ForgeIDGuard processes identity documents within India data centres exclusively. Every FaceOff ACE module is DPDP Act compliant by architecture.
The questions that matter
01How many synthetic Aadhaar ghost accounts are currently passing your bureau checks at account opening?
02Can you detect an ElevenLabs-cloned promoter voice on a live NEFT authorization call before the transfer executes?
03Does your RBI Video KYC session authentication detect AI-avatar substitution in real time during the session?
04Are all seven India identity documents cross-validated against UIDAI, ITD, and CKYC in real time during onboarding?
05Is your entire fraud detection stack processing data within India data centres as required by DPDP Act 2023?
₹11,000 Cr in synthetic identity fraud. ₹1,750 Cr in vishing.
FaceOff ACE stops both — before the money moves.
Aadhaar identity graph · Passive session auth · Voice clone detection · Document forensics · DPDP Act compliant
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FaceOff AI
Adaptive Cognito Engine
India · Banking, Financial Services and Insurance
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