Privacy-Preserving Collaborative Intelligence
Varaksha.
UPI Fraud Defense Network — Version II
Threat Magnitude
₹1,750Cr
Lost to UPI Fraud
FY 2024
— RBI Annual Report 2024
Transaction Scale
640M
Daily UPI Transactions
Peak Active Volume
— NPCI
Model Performance
94.4%
Random Forest Accuracy
75K rows · 4 real datasets
— Varaksha V2 · trained Mar 2026
Gateway Performance
<10ms
Rust DashMap Cache Latency
P99 Response Time
— Varaksha Gateway · Criterion.rs
Accessibility Imperative
44%
Indians Lack English Proficiency
Language Barrier
— India BRICS Language Survey
Architecture Thesis
Decoupling Intelligence
from the Payment Path
The Constraint
Every UPI payment races through a 15-second settlement window. Conventional fraud scoring cannot share that critical path with heavy ensemble models, cross-bank graph traversals, and consortium lookups — the latency cost alone would collapse transaction throughput at NPCI scale.
The Verdict
The Rust gateway issues a binary ALLOW / FLAG / BLOCK verdict in under 10 ms from consortium-built DashMap risk intelligence. The ML ensemble and graph agent run asynchronously, entirely off the critical path — continuously enriching the cache, never once blocking the transaction.
L1
ML Engine
RF-300 · IsolationForest · SMOTE
L2
Rust Gateway
DashMap · SHA-256 · <10ms
L3
Graph Agent
NetworkX · Fan-out · Cycles
L4
Alert Agent
LLM · Bhashini NMT · TTS
L5
Dashboard
Real-time Verdict Stream