Cash-in split across agents
Five agents, one wallet, each deposit just under the reporting threshold, all inside 24 hours.
Ingest
Arrives by API. Encrypted on arrival. Stored as evidence.
AML & fraud monitoring · West Africa
Every transaction, accounted for.
Stop fraud before the money moves.
Find laundering hidden across months.
Close every case with evidence.
- Built for mobile money and agents
- SaaS or inside your network
- Every decision provable
Nº 2026 · 000 482 913review
MoMo cash-in · Agent 0417GHS 4,950.00
- Rule
- B2 · Split cash-in across agents
- Version
- v7 · approved by 2nd reviewer
- Window
- 6 agents · 24 h · GHS 29,400
- Routed to
- Case SP-2026-000123 · L1 analyst
- walletXOF 11,939allow
- USSDNGN 33,151.92allow
- POS agentNGN 68,316.94allow
- GIPGHS 3,373.08review
- agentGHS 620.52allow
- agentXOF 49,974review
- POS agentNGN 637,866.69review
- agentXOF 150,985review
- MoMoGHS 1,378.16review
- cardGHS 848.54allow
- walletXOF 2,599allow
- NIPNGN 42,272.86allow
- MoMoGHS 3,294.17review
- walletXOF 21,077allow
- cardGHS 333.01allow
- NIPNGN 61,340.33allow
- cardGHS 7,772.10review
- POS agentNGN 50,540.02allow
- MoMoGHS 6,379.09block
- cardGHS 302.54allow
- cardXOF 45,210review
- MoMoGHS 143.21allow
The problem
Volumes grew faster than compliance teams.
- 01
Too much to read by hand.
Millions of small payments a month. Threshold reports bury the few that matter.
- 02
Typologies foreign tools miss.
Split cash-in, SIM swaps, wallets used as pass-throughs. Rules built elsewhere don’t look for them.
- 03
Regulators want evidence.
Not “we reviewed it”. What the rule saw, who decided, who approved, and when.
How it works
One transaction. One record. Five steps.
The report your MLRO signs traces back to the exact data and rule version behind it.
- 01
- 02
Evaluate
Versioned rules check it against 180 days of history.
- 03
Alert
Hits merge per customer. Approved suppressions apply.
- 04
Investigate
One case, one owner, an SLA and an uneditable timeline.
- 05
Report
An STR drafted from the case, approved by a second person.
Real time
Decide before the money moves.
Your switch asks before it authorises. The answer comes back with reasons.
- Allow, review, block or step up
- Velocity, device and payee checks from memory, not the database
- Your choice to fail open or closed if a part is degraded
One decisiontarget p99 ≤ 50 ms
0 ms2550 ms
reviewH2 · new device, new payee, high value
Post-event & scheduled
See what only shows up over months.
Rules look back across 180 days without touching your core banking system.
- Structuring and dormant accounts waking up
- Fan-in, fan-out and circular flows
- Target: alert visible within 5 seconds (p95)
Customer historylast 60 of 180 days
reporting threshold
alertB1 · 6 deposits of GHS 9,500 – 9,900 in 6 days
Built for how West Africa moves money.
Mobile money wallets · agent networks · instant bank transfers · USSD
Market packs
Typologies from each market, out of the box.
Every market has its own pack. Shown here: Ghana’s gh-psp, with the patterns behind mobile money and agent fraud. Nigeria and the UEMOA states have theirs.
SIM swap, then payout
A new SIM, a reset PIN and a large transfer to a new payee within minutes. Stopped before the money leaves.
Fan-in, then fan-out
Dozens of small payments in, a few large ones out, the balance back near zero within a day.
Illustrative figures. Thresholds are calibrated with each institution.
The product
A workspace your team wants to open.
Live decisions, the compliance pulse and every open case on one screen. Two-factor sign-in from day one.
See every feature →
Want to see it on your own data?
Book a walkthrough →Rule library
167 starter rules. Tuned by your team.
Change a threshold without a release. Every change versioned, and approved by a second person.
A
Thresholds and reporting
Large cash, cross-border, KYC tier limits
B
Structuring
Deposits just below a threshold, split across agents
C
Velocity and behaviour
Spikes against the customer’s own profile
D
Mule networks
Fan-in, fan-out, circular flows, shared devices
E
Geography
High-risk jurisdictions, impossible travel
F
Designations
PEPs, sanctioned parties, deny-lists
GMarket packs
Mobile money and agents
Agent anomalies, cash-out after cash-in, SIM swap
H
Card and online fraud
Card testing, account takeover, new device and payee
I
Business and merchant
Turnover far above declared, refund abuse
Nineteen packs today: core (24 rules), fraud (11), global-fatf (8), Ghana (gh-psp 14, gh-bank 10), Nigeria (ng-psp 9, ng-bank 8), the UEMOA (uemoa-emi 8, uemoa-bank 8), and two packs each for Sierra Leone, Liberia, The Gambia, Guinea and Kenya (86 rules between them), with some rules shared within each pair. The figures in those last five countries' packs come from our research and are still to be verified with counsel and each regulator. Thresholds are calibrated with each institution before go-live.
Security & data residency
Built like a vault, because it holds one.
- Your data stays where you need it. Self-host, or SaaS pinned to a region.
- Personal data encrypted on arrival. A separate key per institution.
- Isolation in the database. Row-level security on every query.
- Four eyes, enforced. The database refuses a self-approval.
- Two-factor on by default. Argon2id, lockouts, rate limits.
Engineering targets
15,000transactions per second at peak
≤ 50msp99 server-side decision time
180daysof history behind every rule
Targets the platform is engineered and tested against. We confirm them against your real volumes during a pilot; they are not measured production figures.
Next step
See SpeculaPro on your own transactions.
Tell us about your institution, your volumes and your regulator. We’ll show you the platform and talk about a pilot.