Fraud & risk protection
Stop fraud before the money moves.
Every payment on Sente is scored as it happens — against the person's own history, the network around them and the rules you set. Suspicious payments are held for review, not paid out.
Scored in real time
Each payment is checked against the sender's live profile — usual amounts, devices, places and times — before it is approved.
Sees fraud rings
Graph features trace links between accounts, devices and recipients, so a ring of mule accounts stands out even when each payment looks small.
SIM-swap checks
A freshly swapped SIM is one of the strongest fraud signals in mobile money. Sente checks for it before sensitive actions.
Rules you control
Set limits and rules per country and customer group without a code release. Every change is versioned and audited.
Decisions you can explain
Every model decision carries reason codes, so reviewers — and customers — know why a payment was held.
Models that stay honest
New models run in shadow first, need two people to promote, and roll back on their own if they drift.
How it works
Step by step.
- 1A payment is submitted from any channel.
- 2Rules and models score it, and the exact facts used are recorded.
- 3It is approved, held for review or declined.
- 4Reviewers work held payments as cases, and every outcome teaches the next model.
Built for
- Banks
- Wallets
- Fintechs
- Merchants
- Saccos and MFIs