Mobile money
For mobile money operators
Cash-in and cash-out at agents, wallet-to-wallet transfers, merchant payments: in mobile money, abuse hides in ordinary use. YARDA reads the signals specific to your network, from the SIM swap to the behaviour of each agent.
What YARDA looks at
The signals of a mobile money network
Every operation is compared with the history of the wallet, the device and the agent. Built-in typologies spot the patterns documented for mobile money in the region.
Sending right after a SIM swap
An outgoing transfer shortly after a SIM card swap: the pattern of an account takeover.
The false reversal
Money received, then sent straight back to its sender: the “wrong deposit” scam.
Splitting at one agent
The same customer cashing out several times at the same agent within the hour, to multiply commissions or get around a limit.
Pass-through accounts
Most of the money received from others sent on at once, and wallets paid by many different senders.
Security events
Device change, PIN reset: their dates are part of the behaviour analysis.
A dormant account waking up
A large operation from a wallet left idle for months.
Typologies start in observation: they record without deciding, until your team switches them on after replaying them on your history.
Useful data
What your system can send
Five fields are enough to start: reference, date, amount, sender and receiver. For mobile money, these fields matter most:
- the type of operation: cash-in, cash-out, wallet-to-wallet transfer, merchant payment, bill payment;
- the agent, the agent’s till, the wallet and the merchant;
- the device, and the dates of the last SIM swap, device change and PIN reset;
- the wallet’s customer due diligence tier.
For compliance
From the alert to the annual report
Your compliance officer finds in the same console everything to present to the CENTIF, the BCEAO and your partners.
Investigated cases
Related alerts are grouped into cases, with their timeline, comments and, if your policy requires it, four-eyes approval.
The suspicious transaction report
The draft is written in the case and fills the CENTIF Côte d’Ivoire form. It is sealed when you record its filing.
Figures for the annual report
Reporting statistics and the map of suspicious operations, two of the points required by BCEAO Instruction 001-03-2025.
Sanctions screening
Your customers compared with the United Nations consolidated list and the national list of Côte d’Ivoire, each match examined by a person.
Getting started
Three steps, at your pace
A free diagnostic
Send three to six months of history as a file: we show you what YARDA finds in it.
A pilot with success criteria
YARDA scores your live operations, by file, from your database or through the API.
Going live
Your thresholds are set on your traffic, your rules replayed on your history, and your teams take the console in hand.
See what YARDA finds in your operations
The diagnostic starts from a simple export of your history and ends with a report on your own data.