Prism
Protect every gram.
AI that mitigates fraud in gold loans — vision, document intelligence, and risk scoring in one decision, before a single rupee leaves the counter.
0%
Fraud caught pre-disbursal
0s
Decision time per pledge
0%
Pledges screened
0
Appraiser blind spots
Core modules
Three signal layers. One decision.
Vision, documents, and behavioural patterns converge into a single risk score — with reason codes on every call.
Gold Vision
Computer vision verifies purity and authenticity from ornament images — catches coated, plated, and fake pieces at the counter.
Document Intelligence
KYC, ownership proof, and pledge slips read, cross-verified, and duplicate-checked in seconds.
Risk Scoring
Every pledge scored in real time with reason codes — approve, refer, or decline with confidence.
Duplicate Pledge Detection
Spot the same ornament pledged across branches — and across institutions, when consortium data is shared.
Appraiser Intelligence
Pattern analysis across appraisers surfaces outliers, collusion rings, and branch-level anomalies.
Audit & Compliance
Every image, score, and decision logged — a regulator-ready trail on every gold pledge.
How it works
From counter to decision — in under ten seconds.
01
Capture
Agent uploads ornament images and KYC on the branch app.
02
Analyze
Vision, document, and behavioural models run in parallel.
03
Score
Each pledge gets a risk score with transparent reason codes.
04
Decide
Low-risk auto-approves. High-risk routes to senior review.
05
Learn
Every outcome feeds the model — accuracy improves monthly.
Pledge review
#P-48217 · Branch 12
Risk score
72 / 100
Possible coating — base metal signature detected
Ownership proof mismatches prior record
Ornament matches pledge #7420 at branch #38
Appraiser deviation +18% from peer baseline
At the counter
See what an appraiser can't.
Every pledge runs through vision, document, and behavioural models in parallel. Risk scores land in seconds — with the exact reason a trained eye can explain.
- Detects coated, plated, and imitation ornaments
- Matches ownership proofs against prior records
- Surfaces duplicate pledges across branches
- Flags appraiser patterns that deviate from peers
Why choose us
Built for the economics of gold lending in India.
Purpose-Built for Gold
Not generic fraud tooling — models trained on gold-loan-specific patterns.
Vision + Document + Behaviour
Three signal classes in one decision — far harder to game than any single layer.
Explainable Decisions
Reason codes on every score — your analysts and regulators both understand the why.
Cross-Branch Graph
Duplicate pledges and collusion rings surface across your network in real time.
Branch-Edge Ready
Fast at the counter. Works in low-bandwidth rural branches without lag.
Built for
Every lender with gold in the portfolio.
Gold Loan Banks
Bring AI-assisted appraisal to every branch — from metros to rural clusters.
Gold NBFCs
Protect high-volume portfolios against purity, collusion, and duplicate-pledge fraud.
Digital Gold Lenders
Instant, compliant decisions — at the pace a digital-first business demands.