GhostPay Mesh is designed with regulatory compliance at its core. Our multi-layered approach to anti-fraud and AML ensures secure, transparent, and auditable transactions.
Our fraud prevention system monitors, analyzes, and responds to threats across the entire transaction lifecycle.
Every transaction is analyzed in real-time against behavioral models, geographic patterns, and historical data to detect anomalies before settlement.
Unique device identifiers combined with velocity limits prevent unauthorized replication and mass-creation of payment promises.
Transactions are classified into risk tiers with automated responses ranging from standard processing to full blocking.
Suspicious patterns trigger automatic blocking — including rapid-fire transactions, amount anomalies, and coordinated device networks.
Flagged transactions undergo human review by trained compliance analysts with access to full transaction context and audit trails.
Our AML framework combines identity verification, transaction limits, and time constraints to prevent misuse of the protocol.
Enterprise accounts undergo full Know Your Customer verification including document validation, beneficial ownership checks, and PEP screening.
Enforced limits across multiple dimensions to prevent accumulation and layering of illicit funds through the protocol.
Payment promises expire within 24 hours by default (7 days max), preventing long-term value storage outside the regulated settlement system.
Every transaction generates immutable audit records with correlation IDs, enabling full reconstruction of any transaction chain.
| Limit | Value | Scope |
|---|---|---|
| Daily Device Limit | R$ 5,000 | Per device / 24h |
| Single PLC Amount | R$ 1,000 | Per payment promise |
| Default TTL | 24 hours | Per promise |
| Maximum TTL | 7 days | Enterprise only |
Our compliance framework aligns with international standards and Brazilian regulatory requirements.
Full compliance with Brazil's General Data Protection Law, including data minimization, consent management, and the right to deletion.
Active roadmap toward PCI-DSS Level 1 certification for card data handling, with current tokenization-first architecture.
Preparing for SOC 2 Type II audit covering security, availability, processing integrity, confidentiality, and privacy controls.
Privacy considerations are embedded into every protocol decision — from minimal data collection to on-device key generation.
Regular penetration testing, vulnerability assessments, and third-party security audits ensure continuous protection.
Multi-dimensional analysis identifies fraudulent patterns across transactions, devices, and networks.
Machine learning models trained on transaction patterns identify fraud signatures including structuring, layering, and smurfing attempts.
Detects impossible travel patterns, unusual geographic concentrations, and cross-border transaction anomalies.
Rate limiting and velocity analysis detect rapid-fire transaction attempts, bulk promise creation, and automated abuse.
Statistical models identify unusual transaction amounts, structured deposits just below reporting thresholds, and sudden behavioral changes.
Graph-based analysis identifies coordinated fraud rings, device sharing patterns, and collusion between seemingly unrelated accounts.
Every action in the protocol generates structured, immutable records designed for regulatory review and forensic analysis.
Every event is logged with correlation IDs, timestamps, actor identifiers, and contextual metadata for full chain reconstruction.
Cryptographic double-entry bookkeeping ensures every debit has a corresponding credit, providing mathematical proof of balance integrity.
Real-time dashboard for compliance teams with alert management, case tracking, and regulatory reporting tools.
Documented incident response procedures with defined escalation paths, communication templates, and post-mortem processes.
Automated generation of Suspicious Activity Reports (SARs), Currency Transaction Reports (CTRs), and regulatory filings.