About Cenvoriq

Fraud increasingly behaves like a network

Yet many institutions still have to analyse the pieces separately. Cenvoriq is being built to connect them.

  1. 01

    A compromised integration creates hundreds of transfers.

  2. 02

    One victim connects to a mule.

  3. 03

    A mule connects to a collector.

  4. 04

    A collector cashes out through another rail.

  5. 05

    An insider, a service account, a SIM, a device, a merchant or an agent forms another link in the same chain.

TrustGraph · forward trace · 3 hops · 30 min to cash-outsynthetic
  1. syn_victim_c_0_0
    Victim pays a first-time recipient. Identity checks pass; the sender is genuine.
    victim
  2. syn_mule_1
    New account, ten unrelated senders in twenty minutes, almost nothing retained, device shared with two others.
    recipient 69mule 85
  3. syn_wallet_collector
    Collector receives from two mules within minutes and forwards on.
    collector
  4. syn_agent_7
    Cash-out agent unlike its cohort: fast inflow to cash-out, high-risk wallet concentration.
    agent 85investigation priority
  • MULE_PASS_THROUGH
  • MULE_UNRELATED_SENDERS
  • MULE_DORMANT_TO_EXPLOSIVE
  • MULE_SHARED_DEVICE

What we believe

Five principles

Fraud moves through connections

Recipients, integrations, devices, agents and privileged users are subjects, not fields.

Separate dimensions, never one score

Who is acting, what is happening and to whom are different questions with different answers.

Evidence before authority

Measure on history, then observe live, and earn every step towards acting on a payment.

Say what is not built

Every capability on this site carries its real maturity; the disclosures are on the security page.

Global by design

Rails, currencies, channels and assurance levels are configuration. Not a mobile-money product, not a regional product, not a generic security product.

Where we are

Early, and honest about it

The current engine release is version 0.2.0, prepared for design-partner pilots in historical replay and observe-only SHADOW mode. We have no customers yet, publish no customer figures, and make no claims about fraud prevented. The first design partners will be the first institutions to run their data through the platform, and we intend to report what they find.

We do not list team size, funding or investors on this site. Those questions are answered directly, in conversation, at partners@cenvoriq.com.

The name

Cenvoriq is pronounced Sen-vor-ik: intelligence at the centre of connected financial flows. The engine keeps its working name, Sentinel, which is why the engine version, the API and the technical documentation refer to Sentinel.