Member
*Patent Pending
Verified Payment Infrastructure™
Verify Before Money Moves™
The trust layer between payment initiation and execution. Verify every payment instruction before funds move — stopping fraud at the source, not after the loss.
LIVE IN PRODUCTION
DoStopFraud™ is now live within Stewart Pay
Official DoStopFraud™ category launch on May 5, 2026 at the Payments Canada Summit.
Payment Fraud is an Infrastructure Problem
Traditional fraud detection catches fraud after the money moves. By then, recovery rates are below 10%. The problem isn’t detection — it’s verification. DoStopFraud™ verifies payment instructions at the point of initiation, before funds leave the account.
$643M
Reported fraud losses in Canada, 2024
5–10%
Of fraud is actually reported — real losses reach $6–12B
1 in 5
Canadian businesses hit by payment fraud in 6 months
Sources: Canadian Anti-Fraud Centre 2024, Payments Canada 2025
Five Steps To Verify Payment Instructions.
Create/Claim Vault
The account owner must complete ID verification for both themselves and their corporation. Once completed DoStopFraud™ creates or claims a Hyperledger blockchain vault bound to a specific payment instruction. Each vault is unique, encrypted, tamper-evident, and produces an immutable audit trail.
Share Payment Instruction
The payment instruction is sealed inside the vault and shared with the authorized counterparty for review and confirmation. DoStopFraud™ uses Open Banking principles of a user-permissioned framework that complies with Canadian privacy laws. Users control their own data.
Unlock Payment Instruction
The counterparty authenticates and unlocks the vault, confirming the instruction matches the intended transaction.
Trust Score
DoStopFraud™ generates a real-time trust score from identity verification, historical activity, metadata, instruction integrity, behavioural signals, configurable risk rules, and proprietary AI.
Decision: Initiate or Block
DoStopFraud™ assists enterprises to make an informed decision as to whether the payment instructions meet the trust threshold to proceed. Those that don’t are held, flagged, and routed for review — with full audit trail.
Key Capabilities
Infrastructure-grade verification for every payment channel.
Payment Verification Infrastructure
Validate every payment instruction before money moves. Make the decision to release funds based on better information.
Multi-Channel Coverage
Verify payment instructions for all payment types. ISO 20022 structured-data-ready for the November 2026 Payments Canada transition.
Hyperledger Blockchain Vault Architecture
Every payment instruction is sealed in a Hyperledger blockchain vault — immutable, tamper-evident, and cryptographically bound to the authorized counterparty.
Proprietary AI Trust Scoring
Real-time models score identity, behaviour, metadata, and instruction integrity against configurable thresholds. Proprietary AI trust models.
Configurable Risk Rules
Set thresholds by amount, recipient, frequency, geography, time-of-day, and custom parameters. Integrated sanctions and PEP screening against Canadian, OFAC, EU, and UN lists.
Immutable Audit Trail & API-First
Every verification decision logged with timestamp, rule triggered, approver identity, and outcome. Integrate via REST API. PCI-DSS Level 1 and SOC 2 Type I controls in effect; FIPS 140-3 controls in progress for 2026.
Built Into the DoBusiness Infrastructure Stack
DoStopFraud™ sits at the critical layer between payment orchestration and execution.
Client-Facing Interface
Secure counterparty authentication via DoClientPortal™. Eliminates email as a payment-instruction channel — the primary BEC fraud vector.
Identity Verification (Interac, Equifax)
FINTRAC-aligned KYC through DoID™. Interac Verification Service, Equifax, and Treefort integrations build a verified identity graph for every counterparty.
Payment Verification Infrastructure
Hyperledger blockchain vaults, proprietary AI trust scoring, and configurable risk rules adjudicate every instruction in milliseconds — with a complete audit trail.
Accounting and Cash Management
Payment Orchestration & Cash Management. Process all Canadian payment types with direct bank integrations. Integrated Accounting & Payments Automated Reconciliation & Audit Controls. Single-entry integration with auto-reconciliation.
Canadian Bank Integrations
Direct Integration with Tier 1 Banks
Cash management orchestration with integrations to Tier 1 Banks. No screen scraping. No credential sharing. Enterprise-grade bank connectivity.
DoBusiness.com™ is a proud member of Payments Canada. Our payment infrastructure connects identity, business systems, and payment rails — enabling financial institutions, fintechs, and enterprises to reduce fraud risk, simplify payment orchestration, and operate with greater confidence in an increasingly real-time payments environment.
Regulatory & Compliance Credentials
uSecure Escrow Solutions Inc. (d.b.a. DoBusiness.com) holds the following regulatory, compliance, and industry credentials. Current credentials are in effect today; in-progress items include anticipated timelines.
Current
Regulatory & Payment Infrastructure
- Payments Canada — Member
- Fintechs Canada — Member
- Ombudsman for Banking Services and Investments (OBSI) — PSP Member
- Bank of Canada — Registered Payments Service Provider (PSP) under the RPAA
- FINTRAC Money Services Business (MSB) — Registered
- Financial Data Exchange (FDX) — Member
- Direct integrations with Tier 1 Banks
Security & Compliance Certifications
- SOC 2 Type I
- PCI-DSS Certified
Intellectual Property & Data Residency
Intellectual Property
- DoStopFraud™ — Patent Pending
Data Residency
- 100% Canadian — private cloud co-located across Canadian data centres, PIPEDA and Quebec Law 25 aligned
In Progress
Security & Compliance Certifications
- SOC 2 Type II — Anticipated Q3 2026
- ISO 27001 — Anticipated Q3 2026
- FIPS 140-3 — Anticipated Q3 2026
- PCI-ROC — Anticipated Q3 2026
All current credentials are in good standing. In-progress items are actively underway with timelines provided. Complete documentation is available for verification under mutual NDA.
- DoBusiness.com™
Built for Banks, Credit Unions & Payment Networks
DoBusiness.com™ provides infrastructure-grade payment orchestration, identity verification, and fraud prevention to Canada’s financial ecosystem. Our platform meets the procurement, compliance, and integration requirements of Tier 1 institutions.
- FAQ
Frequently Asked Questions
What is a DoStopFraud™ vault?
A vault is a secure, encrypted blockchain container tied to a specific payment instruction. Each vault is unique and tamper-proof. The account owner creates or claims a vault, and the payment instruction is stored inside it — ensuring the instruction cannot be altered, intercepted, or forged between initiation and execution.
How does the 5-step verification process work?
The account owner creates a vault and stores the payment instruction inside it (Steps 1–2). The authorized counterparty authenticates and unlocks the vault to confirm the instruction matches the intended transaction (Step 3). DoStopFraud then generates a real-time trust score (Step 4) and either initiates the payment or blocks it for review (Step 5). Every action is logged in an immutable audit trail.
What is a trust score?
The trust score is a real-time assessment generated at Step 4 of the verification process. It evaluates identity verification, historical activity, meta data, instruction integrity, behavioral signals, configurable risk rules, and proprietary AI to determine whether the payment instruction should proceed or be flagged for review.
What happen when a payment institution is blocked?
When an instruction fails to meet the trust threshold at Step 5, it is held in the vault and routed to a configurable review queue. Authorized approvers receive real-time notifications and can approve, reject, or escalate. The instruction never leaves the vault until cleared. Every decision is logged with full audit trail.
Why Blockchain?
Blockchain ensures each vault is immutable — once a payment instruction is stored, it cannot be altered without detection. This creates a tamper-proof chain of custody from instruction creation through counterparty authentication to final execution or block. The integrity of the payment instruction is cryptographically guaranteed at every step.
What payment types does DoStopFraud™ cover?
Wire transfers, EFT, EDI, Interac e-Transfer, bill payments, and international transfers. Any payment instruction that can be stored in a vault can be verified through the 5-step process.
How does DoStopFraud™ differ from transaction monitoring?
Transaction monitoring reviews completed transactions for suspicious patterns — after the money has moved. DoStopFraud operates upstream. The vault locks the payment instruction before execution, the counterparty must authenticate to unlock it, and the trust score determines whether it proceeds. Prevention, not detection.
Does DoStopFraud™ work with real-time payment?
Yes. The vault creation, counterparty authentication, trust scoring, and decision steps are designed for real-time payment environments. The verification engine adds negligible latency to the payment lifecycle.
Is DoStopFraud™ available as a standalone product?
Yes. DoStopFraud™ can be deployed as a standalone verification layer that integrates with your existing payment infrastructure via API, or as part of the full DoBusiness.com™ platform. The vault and trust score architecture operates independently of the broader DoBusiness.com™ stack.
What compliance standards does DoStopFraud™ meet?
DoStopFraud™ is built to satisfy FINTRAC AML/CTF requirements, SOC 2 Type I, PCI-DSS, and DORA ICT risk management frameworks. SOC 2 Type II, ISO 27001, and FIPS 140-3 certifications are in progress. All data — including every vault and trust score — is hosted exclusively in Canada.
Before It Starts
Protect your payment infrastructure with DoStopFraud™.
Proud Payments Canada Member.