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FaceOff Technologies

Financial Services

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.

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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
Synthetic identity fraud estimated annually across Indian banking sector

₹11,000 Cr+

Synthetic identity fraud estimated annually across Indian banking sector

RBI Financial Stability Report 2024

Annual UPI and vishing fraud losses in India

₹1,750 Cr

Annual UPI and vishing fraud losses in India

Ministry of Home Affairs 2023

FaceOff BehaviorBioAuth account takeover detection rate on session hijack scenarios

97.8%

FaceOff BehaviorBioAuth account takeover detection rate on session hijack scenarios

FaceOff Benchmarks 2024

Solution suite

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

Comparison

Platform Comparison

FaceOff ACE vs Legacy India BFSI Fraud Platforms

DimensionFaceOff ACE — India BFSILegacy India Fraud Platforms
Identity

GraphSAGE Aadhaar identity graph — purpose-built for PAN-Aadhaar-CKYC ecosystem

4,700-account Aadhaar fraud cluster detected · ₹78 Cr ring surfaced at account-opening stage

Western identity graph tools lack Aadhaar linkage — synthetic India identity rings pass undetected
Session Auth

BehaviorBioAuth passive re-auth blocks SIM-swap mid-NEFT transaction — zero friction

DPDP Act 2023 compliant — zero biometric templates stored · India DC processing only

OTP-only authentication — SIM-swap defeats SMS OTP, account takeover undetected after login
Voice Fraud

ElevenLabs clone detection in under 2 seconds on live NEFT authorization calls

Only platform in India detecting AI voice clones on live treasury calls · 97.3% accuracy

No real-time voice authentication on treasury calls — cloned promoter voice passes human review
Document Coverage

All 7 India identity documents — Aadhaar, PAN, Voter ID, Passport, DL, Bank Stmt, DigiLocker

UIDAI real-time QR validation · ITD PAN verification · CKYC registry cross-reference

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.

Due diligence

The questions that matter

  1. How many synthetic Aadhaar ghost accounts are currently passing your bureau checks at account opening?
  2. Can you detect an ElevenLabs-cloned promoter voice on a live NEFT authorization call before the transfer executes?
  3. Does your RBI Video KYC session authentication detect AI-avatar substitution in real time during the session?
  4. Are all seven India identity documents cross-validated against UIDAI, ITD, and CKYC in real time during onboarding?
  5. Is your entire fraud detection stack processing data within India data centres as required by DPDP Act 2023?

What you deploy

Products for Banking & Insurance

These are the FaceOff products most often deployed in this sector, in the order they usually land.

Facepay

AI facial authentication for secure, frictionless payments.

Explore

AML Intelligence

Anti-money laundering and transaction pattern detection.

Explore

See it score a real video.

Bring your own footage. We will run it through the Adaptive Cognito Engine and walk you through what each of the eight models saw.

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