RBI/SEBI/NPCI-aware · audit-grade · sovereign

Agent infrastructure for banks, NBFCs, insurance, fintech.

DCS deploys inside your perimeter with regulator-mappable receipts. Fraud detection, credit scoring, KYC, claims processing — every agent decision signed and explainable. UPI fraud prevention agent already live with NPCI partner-gated pilot. RBI Master Direction on IT Outsourcing-aware architecture.

Talk to finance team → Sovereign deploy

Why DCS for finance

What CIOs at banks actually ask for.

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Inside your VPC

Sovereign deploy. No customer data leaves your perimeter. Signing happens on your HSM.

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Regulator-mappable

Receipts crosswalk to RBI Master Directions, SEBI tech circulars, IRDAI guidance. Auditor-ready.

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Explainable decisions

Every fraud flag / credit denial / claim ruling cites the source receipts. No "black box AI" defense in court.

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No model lock-in

Swap LLMs (open-weight on-prem, frontier passthrough, BYO weights) without losing the chain.

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Real-time

Sub-100ms p95 for fraud check at UPI/PSP scale. Bench-tested at 5K req/sec on H200 cluster.

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Reduces false positives

Trust SKU agent reputation feeds into risk model. New agents on probation = stricter thresholds.

Use cases

Where DCS agents fit in financial workflow.

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UPI fraud prevention

Live agent monitoring NPCI transactions. Pattern-based + behavioral. NPCI-partnership-gated pilot in progress.

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Credit scoring for rural India

Multi-source (KYC + UPI history + WhatsApp behavior with consent) — alternative scoring. Signed feature attribution.

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Card fraud

Per-transaction risk score with explainability. Auto-decline at high confidence, hold for review at medium.

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Claim processing

Insurance claims triaged by agent — receipt + photo + policy ref. Pre-fill claim form, route to adjuster.

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KYC + AML

Document analysis (PAN, Aadhaar, address proof). Anomaly flagging. Every check signed for regulator inspection.

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Customer service

Cowork-style agent inbox. Receipts mean grievance redressal has full trail by default — RBI grievance SLA-friendly.

Compliance

Indian + international regulators.

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RBI

Master Direction on IT Outsourcing 2023, IT Governance, Cyber Security framework

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SEBI

Tech circulars on algo trading, cyber resilience, AI in fund management

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NPCI

UPI fraud prevention guidelines, PSP onboarding tech standards

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ISO 27001 / 42001

Information security + AI management documentation via signed receipts

FAQ

Common questions.

Can DCS run inside a bank's data center?

Yes — Sovereign deploy. Air-gapped, your HSM signs, your retention rules, your operators. We deliver the substrate; you operate it.

What's the RBI position on AI agents?

RBI's Master Direction on IT Outsourcing requires explainability + audit trails. DCS receipts satisfy both by construction. We're in conversation with banks to formalize the alignment.

How does NPCI UPI fraud detection work technically?

Agent runs at PSP layer, sub-100ms inference per transaction. Pattern + behavior + cross-PSP signals. Every flag is a signed receipt → fraud ops review.

Are agent decisions deterministic enough for credit denial?

Not deterministic — but explainable. Every credit decision cites the input features + their weights + the source receipts. A customer can contest specific factors, not "the AI said no."