One platform. Four layers.
Zero black boxes.
Most fraud tools give you a score and ask you to trust it. Zarelva gives you a stack where every decision is deterministic, every signal is named, and every investigation is defensible to an auditor. Collect at the device. Decide in real time. Investigate visually. Respond to published standards — with a managed fraud unit on top when you need one.
From first signal to defensible decision.
Each layer works standalone. Together, they close the loop most platforms leave open — the gap between "the model flagged it" and "here is the evidence."
Silent device intelligence at KYC and disbursal — malware, emulator, root and tamper detection in under 200ms. Zero PII collected. DPDP compliant by design.
Deterministic fraud decisioning — 34 signals across 7 categories, configurable rule packs, and a plain-language narrative with every decision. No black-box scores: every trigger named, every threshold visible.
High-risk cases become visual investigations — relationship graphs that surface fraud rings, SHA-256 evidence integrity, and an audit trail that stands up to regulators and courts. Its built-in intelligence layer adds knowledge retrieval and investigation memory: signal correlation, evidence retrieval, regulatory grounding and explainable decision generation.
Published operating standards no other vendor ships: ZAIS™ for account-takeover investigation and decisioning, ZEOL™ for emergency fund-outflow locks when an account is compromised mid-attack.
Don't have a fraud team to run the stack? Zarelva runs it for you — weekly pattern reviews, case investigation, rule tuning and board-ready reporting, delivered as your external fraud unit from $1,800/month.
The Zarelva loop.
Signals feed decisions. Decisions feed investigations. Investigations feed better rules. Every cycle makes the next attack easier to catch.
The SDK flags an emulator with a tampered environment at KYC — before a single rupee moves.
The engine combines device, velocity and identity signals into a decision — with a written narrative of exactly why.
The flagged account joins a relationship graph — shared devices, timing clusters and mule patterns become visible.
ZAIS™ governs the investigation; ZEOL™ locks outflows if the attack is live. Findings tune the rules for the next cycle.
Three principles, no exceptions.
A model score you can't explain is a liability in an RBI audit. Every Zarelva decision names its signals and thresholds — your compliance team can defend it line by line.
SHA-256 integrity on evidence, full audit trails, and investigation standards published openly — built for the moment a regulator, investor or court asks "prove it."
The platform works from exports and SDK signals — no credentials, no API keys into your core systems, no PII collected at the device layer. NDA before any data moves.
Watch the stack catch fraud — live.
Run the interactive demo, or start with a $599 Snapshot and see what the platform finds in your own data within 48 hours.
Questions? Book a 30-minute call or WhatsApp +91 76768 37358