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FraudTrace AI is an intelligence-backed API platform built for Indian financial institutions. Whether you are screening a UPI payee before releasing funds, onboarding a new merchant, or auditing a suspicious mobile app, FraudTrace AI gives your risk team a single, programmable surface to act on high-confidence fraud signals — in milliseconds, not minutes.

Quickstart

Make your first UPI lookup in under five minutes.

Authentication

Learn how to obtain and use your Bearer API key.

MuleTrace API

Full reference for the UPI VPA screening endpoint.

Core Concepts

Understand mule clusters, confidence scores, and evidence capture.

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The merchant risk stack

FraudTrace AI ships three complementary products. Each targets a distinct layer of the fraud chain — from the UPI IDs money moves through, to the dark web credentials that enable account takeovers, to the rogue apps that harvest mule accounts at scale.

MuleTrace

Live. Real-time UPI VPA screening against a database of 24+ lakh indexed mule UPI IDs. Returns a confidence score, cluster membership, and captured evidence including screenshots and source URLs — all in a single GET request.

CyberTrace

Coming soon. Dark web credential leak monitoring and attack surface intelligence for your merchants and partners. Get ahead of account takeover campaigns before they hit your platform.

Mobile Trace

Coming soon. Automated mobile app emulation that detects hidden deposit screens, permission abuse, and embedded fraud modules. Extract mule UPI IDs directly from suspicious APKs.

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Platform at a glance

FraudTrace AI currently indexes 24,76,004 UPI IDs across 1,188 clusters sourced from 18,330 crawled pages — and has served 94,72,910 lookups to date. All data is stored in AWS Mumbai (ap-south-1) and transmitted over TLS 1.3.