Only real users transact on your app.
A malicious APK can steal your customer's UPI PIN. AShield makes it useless on its own — it verifies the real user through the device, SIM, and telecom network - protected with Quantum-safe Cryptography, where the malicious app can't follow.
You pay for every fraudulent UPI transaction that goes through your app.
Your UPI app is liable for fraudulent transactions — not the bank, not the gateway. Ensuring that the real user is transacting is the UPI app's responsibility — so the loss and the regulatory exposure are yours to manage.
Anatomy of a UPI fraud
A single malicious APK is all it takes. Here is the full chain, step by step — and where AShield breaks it.
The bait
The victim gets a message — a fake KYC update, a cashback offer, an electricity-bill warning, or an RTO challan — with a link to install an app.
The install & permissions
The victim installs the malicious APK. It asks to read SMS and to turn on Accessibility — the permissions that let it watch the screen and intercept messages.
Credential capture
A fake overlay mimics the bank or UPI screen and captures the UPI PIN and card details, while the app silently reads incoming SMS and OTPs.
The hijack
Using the stolen number and intercepted SMS, the attacker binds the victim's mobile number to his own phone and registers UPI on his device.
The drain
The attacker transacts as the victim. OTPs and confirmation SMS are forwarded away silently, so the victim sees nothing until the money is gone.
Your app can't see this attack. AShield can.
Even with the stolen UPI PIN, only the real user can transact. AShield verifies the genuine user through the device, SIM, and telecom network - protected with Quantum-safe Cryptography - a layer the malicious app can't reach or replay. The hijack in steps 4–5 fails, and the PIN alone is useless.
The real user is verified where the malicious app can't reach.
Split identity
The user's identity is split across the device, SIM, and telecom network. Nothing whole is stored, so there is nothing to steal, phish, or replay.
Silent verification
AShield checks the genuine user through the telecom signaling layer — a channel the malicious app cannot see or reach, even on a compromised phone.
Rebuilt in milliseconds
The single-use identity is reassembled in under 200 ms. No OTP, no extra taps — invisible to the real user, impossible for the attacker.
Get started in about two days: sign up for a trial, test on 1% of users in your sandbox, then AShield your UPI flow in production.
Stop using cloud-based SMVs & APIs to fight malware based UPI threats.
Verification is an event. Trust is a lifecycle. An SMV confirms a number once; AShield preserves trust continuously — so it holds Trust even when the number or SIM is in the fraudster's hands.
Silent Mobile Verification (SMV)
- Confirms a phone number once — a single event
- Runs over weak IP / HTTP, across multiple parties
- Trusts the SIM, even when the fraudster controls it
AShield
- Secures the real user continuously — a lifecycle
- Works at the device, SIM, and signaling layer
- Blocks the fraudster even with the SIM or PIN
- Prevent account takeovers with multi-factor binding — ties every session to the real user's device, SIM, and network - protected with Quantum-safe Cryptography, and blocks any mismatch.
- Unphishable identity — single-use, split-secret (non-repeatable) identity, rebuilt in milliseconds and protected with quantum-safe cryptography, with nothing stored to steal.
- Invisible authentication — protect every user without extra clicks; remove the OTP step entirely.
- Run-time alerts — spot and shut down suspicious activity before it turns into fraud.