DataSchutz helps financial institutions and businesses reduce digital risk through CELT-UV payment fraud-prevention infrastructure, authorised penetration testing and VAPT, network security, firewall hardening and practical IT consulting.
Start with the outcome you need. DataSchutz scopes each engagement around your environment, risk priorities and required deliverables.
Not sure which service fits? Describe the problem and your environment; the first discussion focuses on defining the right scope.
Fraud disputes create direct financial, operational and reputational pressure for financial institutions. Legacy systems built around post-event review can leave teams reacting after funds have moved.
Rule-based engines and lookup systems flag fraud once a transaction has already been triggered — forcing banks into costly disputes and reactive investigations instead of prevention.
When suspicious activity is detected only after completion, financial institutions face investigation costs, customer remediation demands and potential financial loss.
Terminal manipulation and transaction rerouting occur while a payment is in flight. Legacy infrastructure has no visibility into the execution window — it only sees the outcome.
Each unresolved fraud dispute compounds churn risk. Banks need a way to stop the loss before it happens, not a faster way to process the claim afterward.
Instead of relying only on review after authorisation, CELT-UV is designed to evaluate five live data vectors — app behaviour, device, location, transaction pattern and merchant score — while a payment decision is still in progress.
When an anomaly is identified mid-stream, our integrated CELT-UV architecture terminates the transaction in real time — before funds ever leave the originating bank.
The architecture is designed to return risk decisions within the payment flow, supporting low-friction handling for legitimate transactions.
By supporting intervention before authorisation, CELT-UV is intended to help financial institutions reduce preventable fraud loss and downstream dispute pressure.
CELT-UV is designed to help financial institutions evaluate contextual risk across card, account, device, beneficiary and instant-payment journeys. Controls can be adapted to the institution’s channel, risk policy and authorisation architecture.
Evaluates risk associated with remote card payments using device, session, location, transaction-pattern and merchant context.
Supports detection and interdiction of suspicious sessions where behaviour, device integrity or location differs from expected use.
Designed to help prevent misuse by comparing live transaction context with established device, location and spending patterns.
Evaluates device, session and transaction signals that may indicate replayed requests, relayed payment activity, proxy use or remote-control interference.
Supports contextual review of unusual payment behaviour, beneficiary changes and scam-linked patterns before an instant transfer is released.
Combines transaction and contextual intelligence to identify activity that may not match the expected profile of an account or session.
Supports investigation and interdiction of coordinated behaviour across related devices, sessions, merchants or beneficiary patterns.
Evaluates beneficiary and transaction context to help identify unusual destinations, velocity and money-movement patterns.
Designed for payment environments where institutions need a contextual risk decision inside a short authorisation window.
Supports detection of integrity anomalies, unfamiliar devices, location inconsistencies and behavioural changes during digital banking sessions.
The engine wraps the payment in a unique, one-time Cryptographic Ephemeral Limit Token — Upgraded Version. Dynamic spending limits and authorisation rules are bound directly to the token payload.
The API is designed to ingest five live signals before a transaction is authorised, providing context about the session, device, location, transaction pattern and merchant.
When risk signals exceed an institution’s configured threshold, the decision engine can support interdiction or additional controls. Transactions below that threshold can continue through the institution’s authorisation path.
DataSchutz combines fraud-prevention research with practical cybersecurity and infrastructure experience, supporting evaluation from sandbox design through integration planning.
Risk is evaluated while the transaction can still be approved, challenged or stopped.
Device, session, location, behaviour, transaction and merchant context inform decisions.
The architecture is intended to avoid unnecessary steps for legitimate users.
CELT-UV is designed for integration with payment and digital-banking decision flows.
Contextual risk evaluation is designed around purpose-limited signals rather than broad identity collection.
Decision factors can support explainable review and institution-specific governance.
Evaluation can begin in controlled environments before any production decision is considered.
Cybersecurity, network and infrastructure services support the wider control environment.
CELT-UV is designed around purpose-limited telemetry for transaction risk scoring and security evaluation. DART - Dynamic Authorization and Risk Tokenisation (an API for fraud prevention in instant payment systems like UPI, Payshap, Wero, Pix and Fedpay) remains under development.
The architecture is designed not to require names, national identity numbers or bank account numbers for its contextual risk models. Final data handling depends on the agreed integration and the customer’s operating environment.
Telemetry separation, retention and access controls can be defined during integration to support the customer’s applicable privacy and governance obligations.
CELT-UV V1 is functional and locally calibrated. Results below are from local simulation, not production deployment — more data is needed to raise accuracy further.
Controlled-simulation notice: Results shown are from controlled simulations and evaluation datasets. Production performance may vary according to integration, traffic profile, data quality and operating environment.
Incorporated as a registered LLP
Recognised under India's Startup India initiative
Accepted into University of Hyderabad's TIDE cohort
Application No. 202641016177
An API for fraud prevention in instant payment systems like UPI, Payshap, Wero, Pix and Fedpay · Provisional patent application No. 202641045724
Patent filing targeted for Q4 2026
Functional and locally calibrated — scaling data volume to increase accuracy
Explore the DataSchutz product family for contextual transaction evaluation and instant-payment fraud prevention.
Contextual Evaluation and Live Transaction – Unified Vector
Contextual risk evaluation designed to operate inside payment and digital-banking authorisation flows, before funds leave the originating institution.
Dynamic Authorization and Risk Tokenisation
An API under development for fraud prevention in instant-payment systems including UPI, PayShap, Wero, Pix and FedPay.
From payment-risk architecture to hands-on infrastructure hardening, each engagement is scoped around a defined objective, authorised access and useful deliverables.
API-oriented capabilities and professional support for institutions evaluating contextual controls across cards, accounts, beneficiaries and real-time payment environments.
Scoped assessments, remediation guidance and infrastructure work for organisations that need practical security and reliable networks.
Authorisation requirement: All security testing is conducted only with the customer’s documented authorisation and an agreed scope of work.
Clear answers about DataSchutz services, fit and the first step toward an engagement.
DataSchutz provides CELT-UV payment fraud-prevention evaluation and integration support, authorised penetration testing and VAPT, network-security services, firewall and Wi-Fi hardening, backup planning and IT infrastructure consulting.
CELT-UV is designed for banks, NBFCs, fintechs, payment processors and digital financial institutions evaluating contextual fraud controls inside payment and digital-banking decision flows.
Yes. DataSchutz provides documented-scope penetration testing, VAPT, red-team assessments, security audits and remediation guidance. Testing is performed only with customer authorisation and an agreed scope.
Start with a requirements discussion. DataSchutz then confirms the objective, systems or payment flows in scope, expected deliverables and an appropriate evaluation or assessment approach.
Yes. Engagements can include practical remediation guidance and, where appropriate, optional retesting to verify that agreed weaknesses have been addressed.
Email or call DataSchutz with your organisation, the service you need and a short description of the environment or problem. The team can then arrange a focused discussion around scope and next steps.
Our team combines fraud-prevention research, cybersecurity, technology, marketing and business administration to develop practical security infrastructure for financial institutions and other organisations.
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DataSchutz™ is a brand of Anomaly Forensics LLP.
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