Fraud & Risk Sentinel

Mlinzi AI

Every Nyumba transaction passes through Mlinzi in under 80ms. It scores intent, device, geo, behavioural baseline and counterparty risk — then decides allow, review or block, and explains why.

Decisioned today

14,238

across 4 channels

False positives (7d)

0.4%

industry avg 2.1%

Blocked fraud (30d)

KSh 18.4M

live · updates per block

Avg decision time

63 ms

p99 under 140 ms

Live decision feed

Idle

Decision breakdown

TX-93423

Outbound · New beneficiary (Lagos)

Card · USD 1,890

Device64

Browser fingerprint changed today

Geo88

IP Lagos · usual Nairobi

Behaviour76

3.2× rolling weekly average

Counterparty92

Never transacted before

Amount70

Above 30-day p95

Mlinzi reasoning: First-ever cross-border merchant · device geo mismatch · 3.2× weekly average.