IDPIC's comprehensive scope covers real-time fraud detection, shared intelligence, AI-powered risk scoring, mule account identification, and proactive threat intelligence — forming India's most complete payment fraud defence.
IDPIC operates as a neutral, collaborative utility with no commercial agenda — ensuring all ecosystem participants can trust and contribute to the intelligence network equally. Every bank, network, and aggregator has an equal stake in the platform's success.
Powered by machine learning models that continuously self-improve using 13 months of anonymized transaction data and a network of connected accounts. The more data contributed, the more accurate the fraud detection becomes for all participants.
Accessible to all ecosystem stakeholders — banks, NBFCs, payment networks, payment aggregators, PPIs, and fintech companies — ensuring no participant is left without access to the intelligence layer protecting India's digital payments.
Supports an open sandbox for fintech innovation, allowing multiple AI/ML model testing and validation — fostering an ecosystem of continuous improvement, collaborative R&D, and competitive innovation in fraud prevention technology.
Nine distinct areas of operation defining IDPIC's comprehensive scope of work in securing India's digital payment ecosystem.
Continuous monitoring and analysis of transactional data from all payment systems. Enhances existing Early Warning Systems (EWS) and Red Flagging of Accounts (RFA) frameworks by providing a shared, comprehensive view of suspicious activities — enabling intervention before fraud is complete.
Primary MandateReal-time monitoring across all payment channels simultaneously
Central hub seamlessly integrating and sharing fraud intelligence across the entire payment ecosystem — banks, NPCI, card networks, payment aggregators, and payment apps. Breaking information silos for the first time.
Ecosystem-WideHarnessing AI and ML to identify behavioral anomalies, suspicious patterns, and emerging fraud trends — including phishing, identity theft, and complex money mule operations — with continuous model improvement.
AI-PoweredBuilding on RBI's existing MuleHunter.ai solution, IDPIC incorporates advanced mechanisms to identify and track money mule accounts used for laundering fraudulent proceeds, disrupting fraud networks at their financial layer.
MuleHunter.aiProvides early warning signals and actionable insights, enabling financial institutions to take proactive measures to mitigate fraud risks before they materialise into significant losses for customers and the system.
Early WarningContinuously analysing vast datasets to identify novel fraud methodologies and vulnerabilities as they emerge — including new social engineering tactics, types of malware, and payment instrument abuse — before they become widespread.
ProactiveIDPIC's ultimate mandate — sustaining and enhancing public confidence in India's digital payment systems by significantly reducing the incidence of payment-related fraud and ensuring citizens can transact digitally with trust.
National MandateA continuous feedback loop allows participating entities to provide insights on resolved fraud cases, further enhancing AI/ML models' accuracy and efficiency — creating a compounding intelligence advantage over time.
Self-LearningOperates under a robust framework ensuring adherence to DPDP principles, cybersecurity standards, and RBI Directions on Fraud Risk Management — with standardized, rapid reporting to RBI and law enforcement agencies.
RBI CompliantIDPIC provides a real-time Risk Scoring API for banks, networks, payment aggregators, and PPIs — enabling fraud alerting and transaction flagging at the moment it matters most: before a payment is authorized.
Participants query IDPIC in real time; IDPIC responds with a fraud risk score before the transaction completes.
Learn about IDPIC's capital structure, regulatory milestones, and framework.