*Patent Pending
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.
Reported fraud losses in Canada, 2024
Of fraud is actually reported — real losses reach $6–12B
Canadian businesses hit by payment fraud in 6 months
Sources: Canadian Anti-Fraud Centre 2024, Payments Canada 2025
The account owner creates or claims a secure blockchain vault embedded to a specific payment instruction. Each vault is unique, encrypted and tamper-proof.
The payment instruction is stored within the vault and shared with the authorized counterparty for review and confirmation.
The counterparty authenticates and unlocks the vault, confirming the instruction details match the intended transaction.
DoStopFraud generates a real-time trust score based on identity verification, historical activity, meta data, instruction integrity, behavioral signals, configurable risk rules and proprietary AI.
Instructions that meet the trust threshold proceed to execution. Those that don't are held, flagged, and routed for review with full audit trail.
Infrastructure-grade verification for every payment channel.
Validate every outbound payment against configurable rules before execution.
Covers wire, EFT, EDI, Interac e-Transfer, bill payments, and international transfers.
Set thresholds by amount, recipient, frequency, geography, time-of-day, and custom parameters.
Machine learning models flag unusual patterns against historical payment behavior.
Every verification decision logged with timestamp, rule triggered, approver identity, and outcome.
Integrate DoStopFraud verification into any payment workflow via REST API. Bank-grade security on every call.
DoStopFraud sits at the critical layer between payment orchestration and execution.
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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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Join Canada's leading financial institutions in protecting payment infrastructure with DoStopFraud®. Proud Payments Canada Member.
