GhostPay™

Privacy-Preserving Payment Processing • AI-Powered Fraud Detection

Process payments without exposing transaction amounts or customer data. Enable cross-border payments, merchant processing, and P2P transfers with zero-knowledge proofs. AI fraud detection monitors transactions in real-time while maintaining complete privacy.

<2s

Transaction Settlement

99.7%

Fraud Detection Rate

150+

Countries Supported

0.5%

Transaction Fee

Privacy-First Payment Infrastructure

Cross-Border Payments

Send money globally with instant settlement and confidential amounts. Zero-knowledge proofs ensure transaction privacy while maintaining compliance.

Features: 150+ countries • Instant settlement • 0.5% fee

AI Fraud Detection

Machine learning monitors transaction patterns in real-time, detecting fraud with 99.7% accuracy—all while keeping transaction data encrypted.

Result: 99.7% fraud detection • <100ms analysis time

Merchant Processing

Accept payments from customers worldwide without storing card numbers or transaction amounts. PCI-DSS compliant by design.

Benefits: No PCI compliance overhead • Zero data breaches

How GhostPay™ Works

Encrypted Payment Request

Customer initiates payment with amount and recipient encrypted locally. Payment data never leaves the device in plaintext.

Your transaction amount and recipient remain private.

AI Fraud Analysis

Machine learning analyzes encrypted transaction patterns for fraud indicators. AI operates on encrypted data using FHE.

99.7% fraud detection accuracy in <100ms.

Zero-Knowledge Verification

Generate ZK proof that payment is valid (sufficient balance, correct recipient) without revealing transaction details.

Proof generation takes <500ms on standard hardware.

Instant Settlement

Payment settles instantly on blockchain with confidential amounts. Recipient receives funds in <2 seconds.

Final settlement with cryptographic proof of payment.

Use Cases

International Remittances

Send money home without revealing your salary or savings to intermediaries. Recipients receive funds instantly with confidential amounts.

Benefits: 0.5% fee vs. 5-10% traditional • Instant settlement

E-Commerce Payments

Accept payments without storing customer card data or transaction amounts. PCI-DSS compliant by design—no data to breach.

Benefits: Zero PCI compliance costs • No data breach liability

B2B Payments

Pay suppliers and contractors without revealing your cash flow or payment terms to competitors. Maintain business confidentiality.

Benefits: Confidential invoicing • Competitive advantage

Subscription Payments

Recurring payments with confidential amounts. Customers maintain privacy while merchants receive guaranteed payment.

Benefits: Private subscriptions • Automatic renewals

AI Enhancements

Advanced artificial intelligence features that make GhostPay™ the most intelligent payment processing platform

Transaction Anomaly Detection

AI flags unusual payment patterns in real-time. Detects fraudulent transactions before they complete.

Real-time fraud scoring (99.7% accuracy)

Unusual pattern detection (velocity, amount, location)

Card testing and account takeover prevention

85% reduction in chargebacks

Smart Payment Routing

AI optimizes payment paths for speed and cost. Automatically routes through best processors and networks.

Intelligent processor selection (cost vs. speed)

Network optimization (SWIFT, ACH, blockchain)

Automatic failover and retry logic

30% lower transaction costs

Currency Risk Management

AI predicts forex movements and suggests hedging strategies. Protects against currency volatility.

Real-time forex rate prediction

Automated hedging recommendations

Multi-currency settlement optimization

2.5% average FX savings

Merchant Fraud Scoring

AI assesses merchant legitimacy and risk. Protects customers from scam merchants and fake stores.

Merchant reputation scoring (98% accuracy)

Scam detection (fake stores, phishing sites)

Chargeback risk prediction

Customer protection alerts

Technical Specifications

Performance Metrics

Transaction Settlement<2s

Fraud Detection Rate99.7%

AI Analysis Time<100ms

Transaction Fee0.5%

Countries Supported150+

Technology Stack

Cryptography: Hybrid zero-knowledge cryptography

AI Framework: TensorFlow (fraud detection)

Blockchain: Polygon + Ethereum L2s

Compliance: FinCEN, PCI-DSS, AML/KYC

Security: Trail of Bits certified

Ready to Launch GhostPay™?

Join the waitlist for early access to privacy-preserving payment processing

Schedule a demo to see how GhostPay™ can enable confidential payments while maintaining compliance and fraud protection.