Machine intelligence for finance
Building intelligence
for finance.
ELVNFI builds the infrastructure financial institutions use to understand risk, behaviour and money movement. Our first product, Risk-NG, is open-source risk intelligence for fraud detection and AML.
Built for Nigeria. Designed for Africa.
Transaction risk
Transfer · txn_8f21 · beneficiary age 3h
Risk signals
- Velocity anomaly+28
- New beneficiary+21
- Device deviation+19
- Unusual amount+17
- Network exposure+9
Decision stream
LAST 60s- Rules fired
- 3
- Model version
- v0.4.2
- Latency
- 18ms
- Decision
- REVIEW
Illustrative interface. Sample data.
Our first product
Risk, with context.
Open-source risk intelligence for financial institutions.
Risk-NG helps financial institutions detect fraud, monitor AML risk and understand suspicious behaviour across transactions, accounts, devices and financial networks.
Risk isn’t a property of a transaction. It’s a property of behaviour.
Transaction monitoring
Score every transfer, payout and collection in line, before the money leaves.
AML & screening
Watchlist matching, structuring detection and typology coverage on the same engine.
Behavioural intelligence
Per-account baselines for amount, timing, velocity, device and beneficiary patterns.
Case management
Alerts, queues, analyst decisions and a full audit trail of every score.
The problem
Financial crime doesn’t look like a rule.
It looks like a pattern.
A transaction rarely tells the whole story. Risk emerges from the relationships between the entities around it.
Swipe to explore → · Illustrative graph. Sample entities.
The risk engine
One engine.Every signal.
Risk-NG combines deterministic rules, behavioural intelligence, machine learning and network analysis into a unified risk engine — one score, one explanation, one decision path.
- 01IngestStream and batch, from the rails you already run on.
- 02EnrichVelocity, baselines and graph features, computed in line.
- 03ScoreRules, models and network risk resolve to one number.
- 04DecideAllow, review or block — with the reasoning attached.
Input
Transactions
transfers · card · collections · payouts
Stage 01
Ingestion
stream + batch
Stage 02
Feature engineering
velocity · baselines · graph features
Deterministic
Rules
Probabilistic
ML models
Relational
Network risk
Unified
Risk engine
single score · full explanation
Rules × ML
Rules catch what you know.Machine learning finds what you don’t.
# rule: large_transfer_to_fresh_beneficiary
IF
transaction.amount > ₦5,000,000
AND
beneficiary.age < 24h
THEN
risk += 30
# fired on txn_8f21 → +30Written, reviewed and versioned by your risk team. Every fire is traceable to a line of code.
- Behaviour deviation87%
- Velocity anomaly91%
- Device deviation84%
- Network exposure79%
Learned from your own transaction history. Surfaces the shapes nobody wrote a rule for yet.
Deterministic when you need control. Probabilistic when patterns become complex.
Illustrative interface. Sample data.
Open source
Your risk infrastructure shouldn’t be a black box.
A risk decision you cannot explain is a risk decision you cannot defend — to your board, to your regulator, or to the customer whose transfer you just held. Risk-NG is open source.
Built for Nigeria
Built for Nigeria.Designed to scale across Africa.
Financial infrastructure in emerging markets has its own transaction patterns, payment rails and operational realities — instant transfers that settle in seconds, agent networks that move physical cash, wallets that behave nothing like accounts.
A risk model trained on card-present fraud in another market does not understand any of it. Risk-NG starts by understanding those realities. Then expands globally.
Money movement
Bank
core banking
Wallet
stored value
NIP
instant transfer
Merchant
acceptance
Agent
cash-in / cash-out
Bank
settlement
Developers
Built to be used, inspected and extended.
One endpoint to score a transaction. A signed decision, the signals behind it, and the model version that produced it — every time.
{
"transaction_id": "txn_8f21",
"amount": 2450000,
"currency": "NGN",
"beneficiary_age": "3h"
}{
"risk_score": 0.94,
"decision": "review",
"signals": [
"velocity_anomaly",
"new_beneficiary",
"device_network_risk"
],
"model_version": "v0.4.2"
}Illustrative API shape. Not a published contract.
Risk-NG waitlist
Be early.
Risk-NG is being built in the open. Join the waitlist to get early access, product updates and invitations to the first private releases.
No spam. Just product updates.