Existing shields
Detect & report
- Flags a suspicious transaction
- Files a report after the fact
- No real-time intervention
- No family escalation
- No recovery orchestration
Agentic Payment Protection Layer
Detectiontells you after.HyperGuardintervenes during.
Scams don't break the bank's defences. They convince the customer to wire the money themselves. HyperGuard is a five-agent swarm that catches a victim mid-scam, calls them, talks them out of it, loops in their family, and, if it's too late, builds the evidence to get the money back.
94%
of fraud losses come from payments the victim authorised themselves
<60s
from “I'll send it” to “sent”, HyperGuard's window to intervene
5
AI agents working in concert on every high-risk transfer
24/7
always-on interception, with an audit trail for every decision
Live interceptionsRec
09:42:11◆Investment scam▸ Blocked
09:41:58◆Police impersonation▸ Blocked
09:41:40◆Romance scam⟳ Hold
09:41:22◆Job & task scam▸ Blocked
09:40:55◆Bank impersonation▸ Blocked
Intercepted today1,284
Why it has to be agentic
A bank clears millions of transfers a day with only a handful of fraud officers. No human team can step into every high-risk moment in time. An agentic layer can be in every one of them at once.
HyperGuard
Intervene, educate, recover
- Live voice negotiation in the moment
- Scam education during the call
- Trusted-contact escalation
- Post-incident evidence & recovery
- Explainable, audited decisions
A layer, not a rip-and-replace
An agentic layer between intent and settlement
HyperGuard wraps any outbound payment in a real-time agent intervention, sitting alongside your existing fraud engine, not instead of it. One API call on a high-risk transfer and the swarm takes over: score, call, educate, escalate, decide. For banks and payment providers it closes the one gap rules and ML can't, the socially-engineered customer who authorises the transfer themselves.
Bank / PSP
→↓payment request
HyperGuard layer
→↓Agentic intervention
5-agent swarm · approve / block
Payment rails
settle or hold
REST + WebSocket APISits beside your fraud stackExplainable, audited decisionsDeploys in days
Five agents, one interception
Digital Twin
Behavioural risk scoring
Learns each customer's baseline, amounts, payees, hours, velocity, and scores every transfer with an explainable anomaly read. It decides whether the moment is worth interrupting.
Voice Negotiator
Real-time intervention
Places an outbound call the instant risk spikes, and holds a calm, contextual conversation to understand who asked for the money and why.
Educator
Scam classification
Reads the customer's replies for social-engineering fingerprints, names the scam narrative, and feeds the right warning back into the live call.
Guardian
Family escalation
On confirmed coercion, pulls a pre-authorised trusted contact into the loop with full context, a second pair of eyes for vulnerable customers.
Recovery Coordinator
Evidence & recovery
When fraud gets through, assembles an investigator-ready package, timeline, transcript, risk rationale, and a recommended-action checklist for the bank and police.
Watch an interception unfold
Sixty seconds that change the outcome
01
It starts with a phone call
A stranger posing as the police tells the customer their account is compromised, and to move their savings to a “safe account”, urgently, in secret.
02
The money is about to leave
Convinced and pressured, the customer authorises the transfer themselves. No firewall or password was breached, which is exactly why traditional fraud checks wave it through.
03
The Digital Twin feels it
HyperGuard scores the transfer against the customer's own history, a brand-new payee, four times their normal amount, at 2am. The risk needle swings hard into the red.
04
HyperGuard calls, and talks you down
An agent phones the customer mid-transfer, listens, recognises the police-impersonation script, and gently explains: no real agency ever asks you to move money to a “safe account”.
05
It loops in family, and blocks it
A trusted contact is alerted to step in, and the transfer is held. The money never leaves the account, and an evidence pack is ready to report the scammer.
Interception pipeline
Transaction→
Risk score→
Voice call→
Classify→
Escalate→
Verdict→
Recover