BEAT is a cloud-native banking infrastructure platform — powering identity, onboarding, governance, AI-driven trust scoring, behaviour analytics, and interaction telemetry for modern financial institutions.
Each module runs independently and speaks the same secure event bus — so you can adopt one capability today and the full platform tomorrow.
Risk-based identity for every user and service — backed by a role hierarchy, device fingerprinting, and auto-lockout on anomalous login attempts.
Template-driven product journeys — from pre-fill to signed. Configure once per product; run for every customer.
Governance over 8 master data types — maker/checker approvals with SLA-based auto-escalation, rule-driven multi-level approval routing, one-click rollback, delegation, concurrence sign-offs, and a platform-wide immutable audit trail.
Ingest PDF, DOCX, Markdown and regulatory circulars; query via any OpenAI-compatible LLM — with semantic chunking, chunk attribution, and per-tenant collection isolation.
11-signal pipeline — IP fraud, email quality, phone validity, identity coherence, and behaviour blend — with A/B model routing, weekly calibration, and feature-level explainability on every score.
Four-dimension R·F·I·D scoring — Recency, Frequency, Importance, Duration — builds a 90-day behavioural fingerprint, refined by a fuzzy rule engine and blended into every trust decision.
PII-free browser interaction telemetry captured via a lightweight TypeScript SDK — batched at the edge, structurally validated, and fed into the behaviour scoring pipeline.
Consent artifacts, per-tenant retention controls, PII encryption at rest, and an immutable audit trail — all designed with Indian financial regulation in mind. Formal compliance audits are on the roadmap.
Every service is tenant-aware down to the database row. Onboard a new entity, a subsidiary, or a co-lending partner without copy-pasting infrastructure.
Swap the engine, keep the platform. Every dependency is abstracted behind a stable contract, so your stack adapts as your regulators, vendors and scale shift.
Spin up a fully isolated tenant — its own DB, roles, and policy config — in under an hour.
Configure onboarding templates, approval workflow stages, gate conditions, trust scoring weights, and notification templates — all as data, no code changes.
Customers complete eKYC-verified journeys; approvers action through the staged workflow; trust scores are computed at submission.
Every decision writes to an immutable audit log. Behaviour signals refine trust scores. Calibration runs weekly — the platform gets more accurate over time.
BEAT is composed of independently-deployable microservices that share a single event backbone and a pluggable observability plane. Every adapter — database, cache, event bus, storage, vector DB, LLM — is swappable at config time, not deploy time. Scale any service horizontally, isolate tenants all the way to the storage layer, and swap infrastructure as your regulators or vendors change.
We're onboarding our first institutional partners — live demo, deployment scoping, and early-adopter pilot terms.