The UPI PIN proves it's you. It doesn't prove it's your idea.
LynxPay is a pre-payment security layer that catches socially engineered UPI scams before authorization, by checking whether a payment still matches the user's genuine intent.
An AI guardian on every payment. It advises; a transparent policy decides.
Perceive
The AI guardian gathers the signals around a payment: the message or call, the QR source, the beneficiary, the amount and the user's history.
Understand
It reads what the user thinks they're paying for, in their own language, and the recipient that purpose implies.
Reason
It checks the perceived purpose against where the money is actually going, and scores behaviour, network and rules.
Act before the PIN
Allow, warn, step-up or block, with a plain-language reason. Every verdict is signed, logged and open to human override.
Three live surfaces. No sign-up.
Fourteen preloaded scenarios and a red-team box. Two clicks to a live verdict.
Consumer app
A simulated UPI wallet. Run the ₹1 AutoPay trick, a QR sticker swap at a shop counter, or a deepfake call, and watch the check fire before the PIN.
Live analyzer
Type any message in 8 languages and watch the AI dissect it phrase by phrase, with a live verdict in milliseconds. Try to jailbreak it.
Analyst console
Evidence timelines, signed intent records, live what-if counterfactuals, per-language fairness, human override, full audit.
What our AI can do that a scam filter can't
The Second Question
Override a warning and the AI reads your reason. "The officer said I'll be arrested" gets caught as the scammer's script, in your own words.
Mandate Mirror
"Pay ₹1 to verify KYC" hiding a ₹8,999-a-month AutoPay mandate. The claimed terms and the real terms, diffed side by side.
What-if machine
Flip any factor on a decision and the engine re-decides live, identically, every time. Ask a model-driven verdict to do that.
Signed intent records
Every verdict is Ed25519-signed and publicly verifiable. Change one field and verification fails. Evidence, not just a warning.
Built to be trusted, and to be audited
Explainable verdicts
Every decision ships with human-readable evidence and a full audit trail. No black box.
The AI never decides
The model only understands language. A transparent policy makes the call, so a regulator can sign off on it.
Human oversight
An analyst can review and override any decision, and the reason is recorded.
Privacy & sovereignty
Synthetic today; the production design is consent-based and can run on a self-hosted, in-region model.
It sits on top of the rails, and sees what they can't
Existing controls verify the person and the pattern. LynxPay verifies the purpose.
A pre-authorization API, not another app to install
LynxPay drops into the payment flow a bank, PSP or UPI app already runs. One call before the PIN returns a decision, a plain-language reason, and a signed record.
Pre-authorization check
A wallet, PSP or bank calls LynxPay before confirming a payment. Back comes Allow / Warn / Step-up / Block, the evidence, and a signed intent record, in milliseconds.
Agent intent-firewall
AI-agent and UPI-Circle-style platforms check a payment against its mandate before it executes, so a prompt-injected agent can't overpay.
Public verification
A bank's dispute desk or an ombudsman verifies a signed intent record against the public key, with no access to our systems.
Watch a scam get caught before the PIN.
No sign-up. Preloaded scenarios. Two clicks to a live verdict.