EXA67
— Prove data is real —
Fraud Screening
Spot fraud patterns across banks — without any bank exposing its transaction graph.
The problem to solve
Fraud rings operate across institutions: a mule account here, a receiving account there, a pattern only visible when banks pool their data. But pooling raw transactions means every bank hands its customer graph to a shared utility — a privacy and competitive exposure most refuse, so the fraud slips through the gaps between them.
The solution it enables
Polymonial lets each bank seal its transaction graph and run the fraud pattern over the seals. A shared mule network lights up across institutions; no bank sees another's customers or balances. The signal is caught in the gap the fraudsters rely on — without building the honeypot that made everyone refuse to share in the first place.
What it looks like
Four banks suspect a coordinated mule network. Each seals its account graph. The screening runs across all four on sealed data and surfaces the ring — the accounts, the flow, the pattern — as a shared alert. No bank ever sees another's transactions, customers or balances. The fraud that hid between institutions is caught between them, with none of them exposing a single record.
“The fraud ring hides in the gaps between banks. Now the banks can see it — without seeing each other.”