Fraud Intelligence

Stop fraud with
collective intelligence

The ReassureQI Fraud Intelligence Network aggregates anonymised fraud signals from across the Nigerian financial sector, giving every member institution the benefit of the entire network's fraud detection capability.

Signal Coverage

Four categories of fraud intelligence

Comprehensive coverage across the full fraud lifecycle

Identity Fraud
  • Synthetic identity patterns
  • Document forgery indicators
  • Mismatched biometrics
Account Takeover
  • New device + new location
  • Password reset + immediate transfer
  • Session anomalies
Payment Fraud
  • Card-not-present anomalies
  • Rapid account draining
  • Mule account indicators
Application Fraud
  • BVN reuse across institutions
  • Address velocity
  • Income inconsistency

Full-spectrum fraud prevention

Cross-Institution Signal Network

Member institutions share anonymised fraud signals in real-time. When fraud is detected anywhere in the network, all members are protected instantly.

Synthetic Identity Detection

AI models identify synthetic identities — combinations of real and fictitious PII — that pass individual document checks but fail multi-source consistency tests.

Device Fingerprinting

Advanced device intelligence captures browser fingerprint, IP, geolocation, and behavioural signals to identify high-risk devices across sessions and institutions.

Behavioural Biometrics

Continuous passive monitoring of typing patterns, mouse movement, and interaction timing builds user profiles that flag account takeover attempts in real-time.

Shared Fraud Watchlist

Industry-wide watchlist of known fraudsters, mule accounts, and compromised devices. Real-time API lookup with sub-100ms response time.

Privacy-Preserving Architecture

All PII is hashed with SHA-256 before sharing. Institutions never expose customer data — only anonymised risk signals. Fully NDPA-compliant.

Privacy by Design

Share signals, not data

The ReassureQI network is built on privacy-preserving signal sharing. Before any signal leaves your institution, all PII fields are hashed with SHA-256. What gets shared is a risk fingerprint — never raw customer data.

  • Customer PII is hashed and never leaves your infrastructure
  • Signals contain only: hash, signal type, confidence score, timestamp
  • NDPA-compliant by design — no consent required for anonymised signals
  • Participating institutions remain fully anonymous to each other
Signal Schema
{
  "entity_hash": "sha256:a3f9...",
  "signal_type": "SYNTHETIC_IDENTITY",
  "confidence": 0.94,
  "device_hash": "sha256:b7e2...",
  "timestamp": "2026-03-30T...",
  "institution_id": "anon:inst_47"
  // No raw PII — ever
}

Stronger together

Every institution that joins the network makes it stronger for all members. Join Nigeria's most trusted fraud intelligence network.

Apply to Join Network