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UVERA
UVERAAI DEV FEST 2026 · Track 07

Trust you canverify.

A trust layer for mobile money. It pauses a scam before the money moves, and every answer shows its evidence.

See the evidence
Tk 3,000 → C008170Paused90%Tk 500 → C003608Sent<1%Tk 9,000 · new phoneNot sure → a person checks“You won Tk 50,000”Prize scam SMS98%CASE-0001132 alerts → 1 case42 h leftShop M00120QR cash-out patternreviewAgent A0161Hold Tk 39,500 on Tuesday90%-safe
Tk 3,000 → C008170Paused90%Tk 500 → C003608Sent<1%Tk 9,000 · new phoneNot sure → a person checks“You won Tk 50,000”Prize scam SMS98%CASE-0001132 alerts → 1 case42 h leftShop M00120QR cash-out patternreviewAgent A0161Hold Tk 39,500 on Tuesday90%-safe
Tk 3,000 → C008170Paused90%Tk 500 → C003608Sent<1%Tk 9,000 · new phoneNot sure → a person checks“You won Tk 50,000”Prize scam SMS98%CASE-0001132 alerts → 1 case42 h leftShop M00120QR cash-out patternreviewAgent A0161Hold Tk 39,500 on Tuesday90%-safe

One evening, three people

The same scam, seen from every side of the money.

Act 1 · Rubab · customer · 19:30

A prize message asks for a Tk 3,000 fee.

Rubab cashed in 25 minutes ago and is about to send it. UVERA pauses before the money moves, explains why in Bangla, and leaves the decision to Rubab. Nothing is blocked.

AI-1 Pause CheckAI-2 Scam TextAI-7 Brief
Try Rubab's transfer

আপনার নিরাপত্তার জন্য থামানো হয়েছে

Paused for your safety · Tk 3,000

  • Many people sent money to this receiver this week
  • Money sent here leaves quickly
  • The receiving wallet is 12 days old
Wait 10 minutes
Verify the number
I'm sure, send anyway

Act 2 · Tanvir · agent · Monday

How much cash will the week ask for?

Tanvir sees a 7-day forecast with an honest range, and how much cash to hold for a 90%-safe day — not a false yes/no alarm.

AI-4 LiquidityAI-5 QR Shield (zone)
Open Tanvir's week

Cash-out demand · next 7 days

Tk thousand

cash on handTueWedThuFriSatSunMon
Hold for a 90%-safe TuesdayTk 39,500

Act 3 · Abdur Rahman · operations · Next morning

One hundred alerts become one case.

Transfers, mule wallets and QR shops that share money paths are joined into one case with evidence, a dispute deadline clock and a grounded brief. A person decides every hold.

AI-6 Case LinkerAI-7 BriefAI-5 QR Shield
Open the case queue

Linked by money paths

≤ 3 hops · ≤ 48 h

1 casealertsmule wallets
Accept or reject the complaint42 h left

Live · real model, real API

Send it. Watch it pause.

Send money

—

to —

Press Send to run the real check

Synthetic demo · no real money moves

Press Send on the phone. The answer comes from the model trained in notebook NB01, through the live API.

  • High risk pauses, with reasons
  • “Not sure” asks a person
  • Low risk sends straight away

How one decision is made

From a tap on send to a person's choice.

Tap any step to see what it does

AI-1 Score

19 behaviour signals → a calibrated scam probability with exact TreeSHAP reasons.

Seven AIs · one trust layer

Tap an AI to look inside.

Tap an AI on the ring to open its card

AI-1Model estimate

Pause Check

Customer

Scores a transfer before it leaves and pauses it with reasons when it looks like a scam.

LightGBM vs XGBoost, CatBoost, logistic regression and a rule · grouped CV × 5 seeds · isotonic calibration · conformal “not sure” · TreeSHAP reasons

Result appears after its notebook run.

How it was measured

Measured, not claimed

Same alert budget. More scams caught.

Every number
All charts, fairness slices, calibration, model choice and limitations in the Trust Center

Responsible by design

Built to be trusted.

Model estimateBusiness ruleGenerated wording

Never blocks

The customer always decides. A hold only happens if a person approves it.

Says “not sure”

Mixed evidence or an unusual case goes to a person instead of a guess.

Shows evidence

Every answer lists its reasons, the model version and a trace id.

Bangla first

Short explanations in Bangla and English, for a busy moment.

Rules stay rules

Limits and dispute deadlines live in config files, labelled as business rules.

Labels everything

Model estimate, business rule or generated wording: you always know which.

One website · four doors

Walk in as anyone.

Customer

Rubab

Send with a Pause Check, check an SMS, see the week ahead.

Agent

Tanvir

Cash to hold each day, with an honest range.

Operations

Abdur Rahman

One case with evidence, a brief and a deadline clock.

Trust Center

Judges

Every metric, fairness slice and limitation.