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UVERA

Customer · Rubab · synthetic persona

Rubab's wallet, with a pause built in.

Rubab is a garment worker who has used a mobile wallet for a few months. Every transfer is checked before it leaves; Rubab always makes the final choice.

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Synthetic persona · demo wallet

What happens when Rubab presses send

  1. 1

    Features. 19 behaviour signals about the sender, the receiver and the moment, computed only from the past

  2. 2

    Score. LightGBM, chosen over XGBoost, CatBoost and logistic regression by a pre-registered rule

  3. 3

    Calibrate. Isotonic calibration turns the score into an honest probability

  4. 4

    Doubt. Conformal prediction + an unusual-input detector decide when to say “not sure”

  5. 5

    Decide. Business rules in a config file pick the actions; the customer is never blocked

  6. 6

    Explain. TreeSHAP reasons + Bangla/English brief, checked by a validator