RTScale AI
Stop AI-powered impersonation. Verify real intent in real time.
RTScale AI is the Behavioral Trust Layer that helps banks detect coercion, deepfakes, and intent anomalies during RTP and APP transactions — before funds move.
THE PROBLEM
Identity ≠ Intent
Modern security verifies who a customer is.
Fraudsters now attack why they act.
Banks face a new dominant threat:
- RTP/APP fraud losses in the US alone exceeded $8.3B USD in 2024, and are projected to nearly double by 2028 (Deloitte)
- Deepfake voice and video defeat voiceprints, selfies, and challenge phrases (McAfee, SecureWorld)
- Social-engineering bypasses identity entirely — customers approve the fraud themselves (DeepStrike, Palo Alto Networks)
- Regulators (UK PSR, EU PSD3, NIST 800-63-4) are shifting RTP/APP Fraud liability toward institutions (NatZone, BiometricUpdate.com)
Why banks struggle:
Traditional controls (OTP, biometrics, device checks) validate identity, but not emotional state, intent, or coercion.
There is no current equivalent of “FIDO3” for intent-level confirmation.
RTP/APP fraud is no longer an authorization failure.
It’s a human-manipulation failure.
THE SOLUTION
The Behavioral Trust Layer (Powered by SoMM)
RTScale AI adds a real-time trust signal into RTP flows by analyzing multimodal human signals during the moment of approval.
Our State-of-Mind Model (SoMM) analyzes streaming video and audio to detect:
-
micro-expressions & facial emotional cues
-
vocal stress, hesitation, rhythm & prosody anomalies
-
scripted vs natural behavioral patterns
-
deepfake and injection traits
-
confusion, distress, urgency, or coached responses
RTScale transforms these signals into privacy-preserving intent tokens that guide real-time authorization decisions.
We give banks something no other system provides:
real-time insight into customer intent.
How It Works
Example: High-value RTP / APP transfer
1. Request
User initiates a large or unusual transfer →
Bank triggers Identity Shield (voice/face anti-impersonation) and baseline risk checks.
2. Detect
SoMM analyzes live audio/video/interaction cues
to identify deepfake, coercion, or distress in <100ms.
3. Bind
If risk ≥ threshold, Intent Binder issues a passkey/WebAuthn Secure Payment Confirmation showing exact amount, payee, and device (WYSIWYS).
4. Decide
Trust Cortex fuses behavioral intent signals with device posture, context, and policy frameworks to produce an actionable trust score.
5. Prove
Evidence Engine seals a cryptographically signed record
(“who, what, when, how”) for compliance, disputes, and liability defense.
Outcome:
Every sensitive action ends with
verified human intent, not just identity.
Core Product Modules
Identity Shield
Real-time detection of voice/video deepfakes, replay attacks, and impersonation attempts.
Intent Binder
SPC-style confirmation that binds user consent to the exact transaction payload.
(amount + payee + action + device)
Trust Cortex
Risk-adaptive behavioral + device + network fusion engine that informs allow / step-up / block decisions.
Evidence Engine
Signed, auditor-ready consent and event logs designed for PSD2/PSD3, PSR, and NIST Rev.4 expectations.
Why RTScale AI is Different
1. It Orchestrates — Not Replaces — Existing Controls
Works with FIDO, passkeys, liveness, device fingerprinting, fraud engines, call-center stacks.
2. Continuous, Intent-Bound Verification
Moves banks from one-shot authentication → ongoing, context-aware authorization.
3. Built for Modern Threats
Detects what legacy biometrics can’t: Coaching, coercion, stress, and deepfake inconsistencies.
4. Real-Time Performance
Streaming multimodal inference under 100ms — production-path Alpha complete.
5. Compliance by Design
Operationalizes current regulatory direction:
– NIST 800-63-4: risk-managed identity
– PSD2/3: dynamic linking
– FIDO SPC: transaction confirmation
– FinCEN deepfake alerts
– ISO 30107-3 PAD (planned conformance path)
6. Patent-Protected Technology + Proprietary Data Moat
Granted patent (emotional tokenization for financial transactions)
Massive multimodal emotional corpus
Low-cost simulation + mobile-lab data strategy
Unique microexpression & vocal-emotion pipelines
Who We Serve
Primary Use Cases:
- RTP & instant payments
- Authorized Push Payment fraud
- High-value transfers
- Payee changes
- High-risk account recovery
(SIM-swap / AIT mitigation) - Call-center / IVR instructions
- KYC refresh or re-verification during sensitive actions
Beachhead:
Regional & mid-tier banks via fraud-tech vendors, core-banking partners, TPSPs.RTScale sits between user intent and final authorization, improving:
- fraud detection
- customer experience
- dispute resolution and compliance defensibility
- interoperability with future trust frameworks
(FIDO, PSD3, SPC)
Why Now
- AI-generated media is real-time & cheap → impersonation at scale
- OTPs & voiceprints are deprecated
- Regulators shifting liability to institutions
- FIDO/SPC & PSD3 push industry toward transaction binding
- RTP networks are scaling — risk grows with speed
Every instant rail increases the attack surface.
Behavioral Trust is now a system requirement.
About RTScale AI
RTScale AI is a deep-tech company developing the State-of-Mind Model (SoMM) — the first production-ready foundation model for real-time behavioral trust.
Our founders and advisors bring nearly a century of experience across Microsoft, Visa, AMD, Dell, affective computing research, organizational psychology, and financial security.
We’re building the behavioral and emotional intelligence layer that modern AI systems need — starting where trust failures hurt most: real-time payments.
Let’s talk about building the next foundational layer of AI security.