Intent-vs-transaction check
LynxPay compares what the user thinks they are paying for against where the money is actually going. A mismatch is the earliest signal of a socially-engineered scam.
AI pre-payment security layer
LynxPay: payments that protect your intent.
An AI pre-payment security layer that stops socially-engineered UPI scams before the PIN.
The gap scammers exploit
A UPI PIN proves who is paying. It does not prove that the payment was the user's own idea. Socially-engineered scams exploit exactly that gap: the victim is talked into authorizing a transfer they never truly intended, and the PIN makes it look completely legitimate. LynxPay closes the gap by checking intent, not just identity.
What LynxPay does
The AI only understands the language. A transparent policy you can audit makes the decision.
Explainable verdicts + audit trail
Every decision returns Allow, Warn, Step-up-verify, or Block with a plain-language reason. A full audit trail records why, so nothing is a black box.
Multilingual by design
Understands English, Hindi, and Tamil, plus the code-mixed Tanglish and Hinglish people actually type and speak, so a scam cannot slip through just by switching languages.
The AI never decides
The AI only understands language. A transparent, auditable policy makes the actual Allow / Block decision, and a human can always override it.
How it works
Four steps, all before the payment is authorized.
Build the context
Gather the signals around the payment: who, what, and how the request reached the user.
Extract the intent
The AI reads the language to work out what the user genuinely believes they are paying for.
Compare the transaction
Match that intent against where the money is actually going, and score the gap between them.
Act before the PIN
Return allow, warn, step-up, or block, with a reason, before the payment is ever authorized.
See it live
Try the consumer app, the live analyzer, and the analyst dashboard. No sign-up.
LynxPay is a demonstration built on fully synthetic data. It does not connect to any real UPI, bank, telecom or device system. LynxPay is a product of Pixbots Private Limited, built for NPCI's Token Nxt showcase at Global Fintech Fest 2026.