Fraud intelligence consortium · Ghana
One fraud report protects the whole network.
Masenu lets telcos, fintechs and banks share confirmed fraud signals on hashed identifiers — and get a real-time risk decision before money moves. A fraudster gets one shot per network, not one per institution.
Identifiers are hashed at your edge. Raw customer data never reaches Masenu — we cannot leak what we never hold.
Contribute confirmed fraud reports, get sub-150ms risk decisions on lookups, and see the cross-network rings no single institution can see alone.
Protect your number, wallet or ID. When a business checks a protected identifier, they're prompted to verify identity more carefully — and you see who checked.
About to send money to a number you don't know? Check it against consortium fraud intelligence first. No account needed.
How it works
Members normalize and HMAC-hash identifiers inside their own systems. Only one-way keyed digests reach Masenu — never a raw phone number, account or ID.
The same real-world identifier produces the identical digest for every member, so confirmed fraud collides mathematically across telcos, fintechs and banks — and a graph engine links related digests into rings.
Before onboarding or payout, one API call returns a scored, explainable decision — allow, step-up, review or block — engineered for p95 under 150 ms.
Masenu never holds raw PII, so it cannot leak, sell, or be compelled to produce it. Contributor identity is reduced to sector + country — reporting never advertises a breach.
Every risk score carries human-readable reasons and a versioned ruleset. Anyone flagged can dispute; contested reports stop driving decisions immediately.
Every lookup, report and admin action lands in an append-only, hash-chained audit log. Built SOC 2-ready from the first commit.
Had your identity used by fraudsters before?
Masenu Guardian puts a protective marker on your identifiers — extra verification for anyone using them, and a log of who checked. Fraud victims get Shield free.