The solution

Pre-emptive data evaluation, inside the authorisation window.

Instead of relying only on review after authorisation, CELT-UV is designed to evaluate five live data vectors — app behaviour, device, location, transaction pattern and merchant score — while a payment decision is still in progress.

01 / PRE-EMPTION

Kill before capital moves

When an anomaly is identified mid-stream, our integrated CELT-UV architecture terminates the transaction in real time — before funds ever leave the originating bank.

02 / ZERO FRICTION

Invisible to legitimate users

The architecture is designed to return risk decisions within the payment flow, supporting low-friction handling for legitimate transactions.

03 / LIABILITY SHIELD

Loss prevented at the source

By supporting intervention before authorisation, CELT-UV is intended to help financial institutions reduce preventable fraud loss and downstream dispute pressure.