AI QR fraud protection for Nepal's NPR 958B payment rails.
The fastest-growing QR market in South Asia, with the highest fraud growth rate, and zero dedicated AI defense layer in production. We're first.
COLLECT-vs-SEND confusion
NRB has publicly warned about it. Cyber Bureau logs Rs 378.6M stolen in one jurisdiction over 8 months. Wallets ship without intent verification. We do that on decode.
8× cybercrime growth · zero competitors
Cybercrime cases up 8× since 2019. NRB Strategic Plan 2022–26 prioritizes payment security. Draft IT Bill 2026 creates a Cyber Security Authority. Procurement door is open.
6 streams · NPR 318M Y3 ARR
Fintech SaaS · per-scan API · NRB government contract · merchant cert · telecom bundle · consumer freemium. LTV:CAC 14×. Gross margin 68%.
Wallet-rail parsers + the data flywheel
Live today: GPT-4o vision + Nepal-specific wallet deeplink parsers (eSewa, Khalti, Fonepay, NEPALPAY EMV-TLV). Post-funding: Nepal-trained classifier on user-reported fraud — 10x cheaper inference + data sovereignty for NRB.
Pre-seed to ship Phase 1 · 12 months · NRB pilot + first paying fintech
Live LLM scanner free for users today. Funding unlocks Phase 1 deliverables: NRB pilot conversion, first fintech SDK integration, and the Nepal-trained model that takes inference cost per scan from ~$0.0005 to ~$0. Path to NPR 43M Y1 ARR, NPR 135M Y2.