CATCH FINANCIAL ANOMALIES BEFORE THEY BECOME LOSSES.
Continuous stream processing across core banking switches, payment gateways, and ERP ledgers. PayTrace evaluates every transaction in under 380 milliseconds — halting duplicate disbursements and flagging settlement leakage autonomously.
Sub-Second Event Streaming Across Heterogeneous Rails
Legacy finance systems rely on end-of-day batch jobs. PayTrace ingests streaming events in real time from banking APIs, payment processors, and ERP ledgers.
Real-Time Webhook & ISO Ingestion
Ingests Razorpay/Stripe webhooks, ISO 8583 bank switches, and Kafka event queues with microsecond event ordering and deduplication.
Cross-System Normalization
Transforms disparate merchant IDs, raw UTR strings, and ERP document headers into a standardized Canonical Financial Event (CFE) format.
State Machine Evaluation
Continuously validates transaction transitions against expected legal state models (Authorized → Captured → Cleared → Settled).
Multi-Layered Machine Learning & Heuristic Radar
PayTrace combines statistical process control with unsupervised machine learning to detect known patterns and zero-day financial deviations.
Isolation Forests
Identifies anomalous fee spreads, unexpected settlement timings, and amount outliers.
Temporal Drift
Detects latency widening between payment capture and ledger journal entry.
Velocity Spike Radar
Flags refund bursts, micro-charge surges, and unauthorized card retries.
Graph Motif Mining
Discovers circular transaction loops and split disbursement fraud trees.
Noise Reduction & Automated Severity Grading
Finance teams suffer from alert fatigue. PayTrace clusters related micro-anomalies into single high-fidelity incident dossiers with strict severity tiers.
{
"alertId": "ANM-103",
"category": "VENDOR_RISK",
"severity": "CRITICAL",
"entity": "BlueLine Services",
"amountExposed": "₹19,00,000",
"confidence": 0.991,
"trigger": "Beneficiary IFSC & Account modified 4h before batch wire",
"actionRecommended": "FREEZE_DISBURSEMENT",
"autonomousInvestigationStatus": "SPAWNED (Swarm #9012)"
}From Alert Trigger to Autonomous AI Swarm in Milliseconds
PayTrace does not just generate an alert and wait for human review. It instantly deploys an 8-agent AI investigation swarm that gathers evidence, challenges hypotheses, and drafts remediation before humans even log in.
1. Instant Evidence Retrieval
Document and Rail agents fetch all associated invoices, bank switch logs, POs, and emails in parallel across all connected silos.
2. Adversarial Hypothesis Testing
Reasoning agents construct candidate explanations while verification agents hunt for disproving records to eliminate false positives.
3. Remediation Package Generation
Action agents draft ERP reconciliation journals, freeze disbursement requests, and prepare audit-ready legal dossiers.
Financial Exposure Quantification & Value-at-Risk (VaR)
Prioritize actions based on cold mathematical recoverability and cash flow risk.
Total active anomalous funds currently pending settlement or disputed.
Funds identified trapped in verified Gateway escrow pools and halt-ready queues.
Reclamation probability weighted by counterparty solvency and SLA timing.
Interactive Anomaly Alert Queue & Action Console
Filter active alerts, triage real-time risks, and trigger automated AI investigations or remediation actions directly.
Live Enterprise Telemetry Dashboard
Real-time visibility across 6 active financial anomaly classifications.
Maker-Checker Authorization & Enterprise Triage
PayTrace provides full audit governance. AI proposes remediation actions; human controllers review and execute with single-click cryptographic sign-off.
Slack & PagerDuty Integration
Immediate escalation of Critical anomalies with rich interactive Slack action buttons to freeze wires or acknowledge alerts.
Dual Authorization (Maker-Checker)
High-value journal adjustments (>₹50L) require two independent authorized treasury officers before ledger commit.
Immutable Action Audit Trail
Every triage action, comment, override, and journal dispatch is permanently recorded with user ID and timestamp.
Enterprise Reliability & SLA Guarantees
Built for tier-1 financial institutions with zero tolerance for data loss or monitoring downtime.
Real-World Interception Scenarios
How PayTrace Continuous Telemetry prevented severe enterprise losses in live deployments.
₹19,00,000 BEC Wire Tampering
Vendor email account spoofed; bank IFSC updated. PayTrace flagged domain SPF mismatch and halted scheduled treasury release 4 hours prior to execution.
₹14,50,000 Duplicate Payout
Vendor submitted invoice via portal while accountant uploaded PDF copy under revised index. PayTrace graph resolution merged nodes and paused second payment.
₹41,200 Gateway Fee Leakage
Payment processor shifted interchange bracket without contract notice. Isolation forest detected 0.38% spread delta across 2,400 micro-transactions.
Monitor Your Financial Flows in Real-Time.
Connect your bank switches, gateway webhooks, and ERP ledgers with PayTrace Continuous Monitoring.