The trust layer for decisions that move money

Real-time risk decisions, with the proof built in.

Nyx, our decision platform, tells the systems you already run whether a payment or loan should go ahead, for people and AI agents alike, and keeps the evidence.

Run a pilot on your data See how it works ↓

Built for Banks · NBFCs · Fintechs · Payment Processors · Lenders · Merchants

Who starts it
  • A person
  • An AI agent
  • A merchantOn a mandate
Who asks Nyx
  • IssuersPaying side
  • PSPs and acquirersGetting paid
  • LendersPARTNER-LED
NyxDecides in one call
  1. 1Verify, in build
  2. 2Know who, in build
  3. 3Decide, pilot ready
  4. 4Answer, pilot ready
What comes back
The decisionPILOT READY
approvereviewdecline
Evidence recordIN BUILD

What a dispute or an examiner reads.

Pilot readyIn buildSteps 1 and 2 run when an agent pays or a merchant charges on a mandate
The evidence

Deciding is not the same as Defending. Every decision carries the evidence to defend it.

A decision on its own is no longer enough. Weeks later someone asks who acted, on whose behalf, and why it was allowed. Here is one payment, from the second it arrives to the day it is questioned.

  1. 01 · Day 0 · 10:42:18The input

    A payment arrives.

    A UPI transfer to a payee this customer has never paid.

    UPIINR 38,000.00new payee
    CardINR 2,340.00Approve
    UPIINR 450.00Approve
  2. 02 · Same secondPILOT READY

    Nyx decides, in the authorization path.

    Review, and warn the customer before the payment completes.

    ReviewWarn before paying
    Rule firedupi_new_payee_velocity
  3. 03 · Same secondIN BUILD

    The record is written beside it.

    Who acted, for whom, and what they were shown.

    ShownScam warning
    ConsentConfirmed after it
    OutcomePaid
  4. 04 · Day 12PARTNER-LED

    Someone asks why.

    “I was tricked into paying.” The answer comes from the record.

    • The decision and its reasons
    • The warning they were shown
    • Their confirmation, with its time
    Answered from dec_EXAMPLE…
REPRESENTATIVE · SAMPLE DATA · EACH STEP CARRIES ITS OWN STATUS
What the record supports, and what is still direction →

† Design target to validate in the first pilot, not yet independently benchmarked.

The decision domains

One engine, different decisions. Each with an honest status.

From fraud to agent verification to credit, the same engine decides and keeps the evidence for every decision.

01PILOT READY
Fraud management

Decide before the money moves.

Approve, review or decline a payment or an account action, in the authorization path.

Run a pilot on your data →
02IN BUILD
Agent trust

Know who is acting, for whom, and within what limits.

Verify the agent’s signature, bind it to its principal, and check the mandate’s scope, caps and expiry.

Agentic Commerce →
03
Credit, disputes and AML

Every other decision, on the same engine.

Each pack is built with the first partner who needs it, and each carries its own status.

All risk decisions →
Where Nyx sits

Beside your systems, not in place of them.

Your systems keep authorizing and moving the money. They ask Nyx one question and act on the answer. Explore the platform →

Unchanged Payment switchPSP checkoutLending system The money still moves here.
Where it runs
Managed by us
Your systems
NaxVerse · your regionNyx
Your cloud
Your systems
Your AWS, Azure or GCP accountNyx
Your data center
Inside your perimeterYour systemsNyx
Model
Managed by us
Who runs it
NaxVerse, single-tenant per customer
Where data sits
In the cloud region you choose
Updates
Monitoring, updates and backups are ours
Model
Your cloud
Who runs it
You, inside your own VPC
Where data sits
In your account, under your key management
Updates
We ship the release and support it
Model
Your data center
Who runs it
You, on Kubernetes on your hardware
Where data sits
Never leaves; a decision needs no egress
Updates
We ship the release and support it
The same engine, API and evidence record in all three.Compare the deployment models →
Questions

The questions that come up first.

The detail behind the page, with the same qualifiers as the rest of the site.

What is Nyx?

Nyx is the product, and NaxVerse (NaxVerse Technologies Pvt Ltd) is the company that builds it. Nyx is the trust layer for decisions that move money. It approves, reviews or declines a transaction or an account action in real time, inside the authorization path, whether a person or an AI agent is acting, and attaches the evidence to defend that decision afterwards. One engine covers fraud, agent trust, credit risk, underwriting, disputes, AML and KYC through versioned domain packs, instead of one vendor per decision.

Is Nyx only for fraud?

No. Fraud management is the first domain pack and the one ready to pilot today. The engine underneath is domain-agnostic, and versioned packs specialize it for other decisions, each with its own status: agent trust is in build, and credit risk, underwriting, disputes and AML are partner-led. Every pack writes the same canonical evidence record, which is in build.

What is the evidence that gets attached to a decision?

Every decision returns the action, the score, the severity band, the policies and rules that fired, the model version and an audit reference in the same response. A canonical evidence record is written beside it: actor, principal, mandate, what was shown, consent, decision, outcome and dispute status. That record is what a dispute or an examination is answered with later. The record is in build, and its schema is versioned from the first write.

Who is it for?

Banks, NBFCs, digital banks, fintechs, payment aggregators and PSPs, acquirers, lenders and merchants. Institutions are the direct buyer. Merchants are reached through the PSPs that embed the trust endpoint for them, and a merchant can also come directly. Size is not a gate, because the hosted deployment removes the need for an in-house platform team.

What does Nyx do when the buyer is an AI agent?

It verifies the signature the payment rail presents (RFC 9421 via Visa Trusted Agent Protocol, Mastercard Agent Pay and the Universal Commerce Protocol; NPCI's Unified Agent Protocol once it clears RBI approval), resolves the principal that delegated the authority, checks the transaction against the mandate's scope, caps and expiry, baselines agent-operator behavior separately from human behavior, and returns an explained verdict with its audit reference. This is in build.

Does Nyx replace a PSP, a commerce platform or a fraud vendor?

No. The catalog of record stays where it is and money moves on the existing rails. Nyx does not replace an authorization system, a switch or a loan origination system either: those systems ask, Nyx answers with the decision and its reasons, and they act on it. Device, behavioral and consortium signal vendors are inputs to the decision rather than competitors. Nyx makes the decision and keeps the evidence for it.

Is Nyx running in production today?

No. NaxVerse is pre-launch and founder-led. The fraud pack is built and ready to pilot, agent trust is in build, and the performance figures on this site are design targets to validate in a first pilot rather than benchmarked results. NaxVerse publishes targets, not testimonials it does not have.

Where does the data live?

In your jurisdiction, in all three deployment models: hosted and managed by NaxVerse in the region you choose, inside your own cloud account and VPC, or in your data center. The engine, the API, the packs and the evidence record are identical in all three. Models train on your data only, and no deployment requires bulk extraction.

Which regulations does it address?

In India, the RBI Authentication Directions 2025 (risk-based authentication for cross-border card-not-present from 1 October 2026), the Digital Payments Intelligence Platform live since 1 September 2026 with Phase 2 scoring transactions before completion, the RBI Outsourcing Directions of November 2025 and DPDP obligations from 13 May 2027. In the UAE, CBUAE Notice 3057 and CBUAE's AI guidance of 11 February 2026. Mapped alongside: EU Verification of Payee and PSD3/PSR from 2028, UK APP reimbursement since 7 October 2024, MAS in Singapore, Australia's Scams Prevention Act 2025 and SAMA's Counter-Fraud Framework in force since 13 April 2026. Nyx deploys in any jurisdiction, and each regime is mapped with the first partner there.

How is Nyx priced?

Nyx is paid for decisions and for evidence: per scored event, volume tiered, or an annual licence for an on-premises deployment. It never takes a share of a transaction. Figures are not published; they are discussed in a conversation.

How does an engagement start?

With a shadow replay of your own decision history, run in the deployment model you choose with nothing leaving your perimeter. It produces four numbers you do not have today: false declines recoverable, mule accounts missed, agent-originated traffic share, and dispute cases defensible with evidence.

Pick a decision · replay your history

Replay your history. See what Nyx would have decided.

A shadow replay of your own decision history, in the deployment model you choose, with nothing leaving your perimeter.

Run a replay Live product walkthrough

Not a bank, or not the fraud use case? Bring us the decision you need to make.

Founder-led by Umesh Kolhe: two decades across the payments lifecycle at JPMorgan, TSYS and Pine Labs, with a senior team that has built and operated these systems inside banks and payment processors.

TSYSPine LabsRenoviteisPAYJPMorgan

NaxVerse Technologies Pvt Ltd · Noida, India · pre-launch · The company → · Press & due-diligence pack →

HELLO@NAXVERSE.AI · FOUNDER-LED, PROCUREMENT-READY