SecureFlow
by Cloudastra Technologies

Stop the loss
before money settles.

SecureFlow scores every UPI, IMPS, RTGS and cross-border payment against your rules, and against live sanctions and mule signals, the moment it’s initiated. Returns pass / flag / block before funds clear.

Explore SecureFlow

Pilot in weeks, not quarters · India-resident hosting · Native ISO 20022

Native ISO 20022India-resident hostingLive interdictionNo-code rule editor
On the ground today

Money moves in seconds. So does fraud.

0sec
is the entire UPI window between initiation and settlement. Anything slower stops being prevention and starts being recovery.
0%
of money lost to instant-rail fraud never comes back once funds clear. Post-settlement recovery is the exception, not the rule.
0days
head-start when a new typology surfaces. Fraud rings weaponise fresh patterns within minutes of discovery.
The path a payment takes

Five checkpoints. One verdict.

SecureFlow sits between initiation and clearance. Every payment runs a five-checkpoint gauntlet: risk-scored, rule-evaluated in parallel and resolved into pass, flag or block before funds clear.

01 Ingest
02 Route
03 Evaluate
04 Score
05 Decide
01Ingest

Schema and identity verified at the edge

Every payment hits the edge gateway first. Schema validated, tenant authenticated, trace ID stamped. The full decision is reconstructable later, line by line.

02Route

A live network map sends each payment to the right lane

A live routing graph dispatches each message to the right evaluator pool by rail, amount, geography and tenant policy. Audit-logged too.

03Evaluate

Velocity, sanctions and custom rules, all firing at once

Hub-and-spoke workers run every relevant check in parallel. Hundreds of rule evaluations finish in single-digit milliseconds. No sequential bottleneck anywhere.

04Score

Rule outputs roll up into typology scores

Individual rule signals get bucketed into named threat scenarios (mule rings, smurfing, account takeover), each landing with its own confidence band attached.

05Decide

Thresholds applied. Pass, flag or block in one shot

Your configured thresholds collapse the scores into one of three deterministic verdicts. The verdict and its full reasoning chain are persisted before any funds settle.

EDGEUPIIMPSRTGSSWIFT
VelocitySanctionsCustomGeotx_msg
Velocity✓
Sanctions✓
Amount✓
Geo✓
Device✓
Behaviour✓
All checks · 7ms
Mule ring
0
Smurfing
0
Acct takeover
0
Confidence bands compose into typology vector
DecidePASSclearedFLAGalertREJECTblocked

Curious how it’d run on your traffic?

Get a guided walkthrough of the architecture, watch SecureFlow run against real payment messages, and ask whatever you need to.

Book a demoSee the verdict engine
The toolkit

Everything risk and compliance teams reach for, in one place.

Live decisioning, rules a compliance lead can ship without filing a ticket, and the audit trail every regulator expects.

01

Visual rule editor

Risk and compliance teams compose, test and ship new rules in hours, without ever opening an engineering ticket.

02

Live interdiction

Block suspicious payments before they settle. Cut losses at the rail itself, not later inside a recovery queue.

03

Typology-level scoring

Risk signals roll up into named threat scenarios: mule rings, smurfing, account takeover, velocity abuse and more.

04

Hub-and-spoke runtime

Asynchronous messaging on NATS JetStream. Each rule engine scales horizontally and independently under load.

05

Audit-grade trails

Every verdict captured with its full reasoning chain. Regulator-ready exports available on demand.

06

Native ISO 20022

Built around pacs.008, pacs.002 and modern payment messaging. REST APIs included out of the box.

07
Upcoming

Behavioral mule detection

Bayesian scoring across fan-in, fan-out and pass-through signals. Plus multi-hop graph cycle detection. Catches mule accounts that fuzzy name matching alone cannot.

Inside the verdict engine

Think in patterns. Decide with receipts.

Single rules miss the picture. SecureFlow interrogates every transaction with parallel risk processors, rolls signals into named typologies, and lands on one verdict: pass, flag or block.

01

Signal pickup

Velocity, geo, device and behavior signals scored in parallel.

02

Scenario rollup

Signals form fraud patterns: mule rings, smurfing, account takeover.

03

Decision with receipts

Every verdict ships with its full reasoning chain attached, line by line.

Built for India

Built around India’s financial rails.

Preconfigured for RBI posture, PMLA filings and UPI-shaped risk patterns. Day-one alignment isn’t a six-month implementation project.

UPI
UPI anomaly monitoring
live pattern detection
PMLA filings (CTR/STR)
regulator-shaped exports
Indian sanctions feeds
auto-sync from central lists
RBI posture defaults
policy preset on day one
ISO20022
Native ISO 20022
pacs.008 and pacs.002 built in
India-resident data
sovereign cloud available
FAQ

Answers for decision-makers, not just engineers.

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.
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.
Native coverage for UPI, IMPS, NEFT, RTGS, SWIFT and ISO 20022 ready (pacs.008 and pacs.002). REST APIs are available for everything else. We integrate with major core-banking systems, payment switches and case-management platforms. We'll build any connector you need during onboarding.
The platform is designed around RBI compliance posture, PMLA reporting and ISO 20022 ready. India-resident data is supported. Specific security certifications and vendor-risk packs come up during procurement. We'll share what we hold and what is on the roadmap when you reach out.
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.
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.
From the team behind Cloudastra

The software partner India’s enterprises lean on.

Cloudastra Technologies ships digital, cloud and AI-led platforms for fintech and cybersecurity leaders. SecureFlow is one of the products that grew out of that practice.

Cloudastra by the numbers
8+
Years of experience
200+
Clients served
88%
Client retention
6+
Industries served
SecureFlow by the numbers
5
Payment rails covered: UPI, IMPS, NEFT, RTGS, ISO 20022
3
Verdict paths (pass, flag, block) before funds settle
80+
Typology rules out of the box, per tenant
99.95%
Uptime SLA

Ready To Transform Your Business?

Lets discuss how we can help you achieve your technology goals and business growth

  • Build and scale secure cloud infrastructure
  • Develop AI-powered solutions for automation and growth
  • Create high-performance web & app solutions
  • Implement DevOps pipelines for faster, reliable releases
  • Optimize systems for cost, performance, and scalability
  • Modernize existing platforms with future-ready technology

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