Fraud Prevention
& Monitoring
Compliance-native detection woven into the protocol layer — not a bolt-on afterthought.
Built Into the Protocol
Most fraud tools are add-ons applied at the application layer after transactions are already in flight. MicroPay's detection engine is woven into the settlement protocol itself — every transaction is screened before it clears, not after.
Our ML models are trained on construction and real estate transaction patterns — the specific payment flows, subcontractor relationships, draw schedules, and materials procurement cycles that define the industries we serve. Generic fraud models miss the signals that matter in AEC; ours are calibrated for them.
OFAC sanctions screening runs on every counterparty in real time. Politically Exposed Person (PEP) checks run on beneficial owners. Automated alerts route to compliance officers, and the case management system maintains a FinCEN-ready Suspicious Activity Report (SAR) workflow from detection through filing.
Every flag, review, and resolution is logged to an immutable audit trail — giving regulators and auditors a complete, tamper-evident record.
Detection Layers
- Velocity monitoring — unusual payment frequency or volume
- ML anomaly detection — trained on construction & RE patterns
- OFAC sanctions screening — real-time, every counterparty
- PEP checks — beneficial owner screening
- Automated case management — alert to resolution workflow
- FinCEN SAR support — structured filing workflow