RegTech
Trust, identity & consent RegTech
SEC@R by Infinicue is a RegTech platform for secure trust orchestration and DPDP-aligned consent management. It helps banks and enterprises automate authentication assurance, purpose-bound data utility, fraud signals, and audit-ready evidence — without holding PAN, Aadhaar, card data, or account credentials.
What kind of RegTech SEC@R is
SEC@R is trust, identity, and consent RegTech — not a full AML/KYC suite or core banking system. It sits in the compliance stack as the layer that proves who and which device is acting, controls when sensitive signals can flow, records what happened for audit, and minimizes what data the platform itself holds.
RegTech pillars
DPDP Act 2023
Privacy & consent RegTech
Purpose-specific consent with cryptographic proof, withdrawal, data principal rights, and time-bound data utility sharing between fiduciaries.
- Consent capture with proof_hash, channel, and notice version
- Immediate withdrawal and purpose limitation
- Access, correction, erasure, grievance, and nomination flows
- Consent Manager ID: secar-cm-v1
RBI / digital banking
Identity & authentication RegTech
Strong customer authentication through FIDO2, BLE multi-device attestation, and policy-enforced trust windows.
- FIDO2 / WebAuthn possession and biometric gating
- Device binding with public keys and attestation ledger
- Time-bounded trust sessions for downstream authorization
- Fail-closed controls and tenant isolation (RLS)
Signal provider
Fraud & financial crime RegTech
SEC@R is not a full AML/CFT platform — it supplies trust and risk signals to your existing fraud and compliance stacks.
- Fraud Intelligence Center — velocity, geo mismatch, anomalies
- Risk engine and trust score signals
- Device and geo intelligence for case triage
- SAR/STR filing remains with the bank's AML system
Evidence-ready
Audit & supervisory RegTech
Immutable audit trails, operator accountability, and multi-tenant oversight for internal audit and regulatory examination.
- Append-only audit log with hash chaining
- RBAC, correlation IDs, and SOC incident views
- Compliance export and SIEM integration
- Master fleet view across bank tenants
Scope reduction
Data minimization RegTech
Compliance cost drops when the vendor's data boundary is small and provable — SEC@R never holds regulated credentials.
- No PAN, Aadhaar, KYC docs, card data, PINs, or passwords
- Only opaque UUIDs, public keys, scores, geohash, and events
- PCI DSS out of scope by architecture
- Erasure on Customer UUID under DPDP
Privacy-preserving
Geo & location RegTech
No-trust geo gate — sensitive utility data stays disabled until IP, GPS, WiFi, and BLE signals align within a 1–2 km cell.
- Default deny: data_enabled = false until gate passes
- Geohash buckets — no raw GPS in cold storage
- Multi-signal fusion reduces spoofing and location fraud
- Mobile background environment evaluation
Framework alignment
| Framework | SEC@R role |
|---|---|
| DPDP Act 2023 | Consent Manager, data minimization, principal rights, data utility controls |
| RBI IT Framework | Trust layer only — no payment or credential custody; authentication assurance |
| ISO 27001 | ISMS mapping documented per control (organizational certification) |
| SOC 2 Type II | Audit trail, access controls, and operational evidence |
| PCI DSS | Out of scope — no cardholder data stored |
| FIDO Alliance | Relying Party / Facilitator architecture |
Architecture in the compliance stack
Bank / Data Fiduciary
KYC, accounts, AML operations — holds customer records
SEC@R RegTech layer
Consent Manager · Trust Engine · Geo gate · Audit & events
Regulatory outcomes
DPDP compliance · RBI cyber/auth · Audit evidence
Banks pass only opaque Customer UUIDs to SEC@R. Trust and consent signals flow back to fraud, authorization, and audit systems — never bulk personal data.
Beta testing — RegTech scenarios
Scenarios that produce compliance evidence for internal audit and regulatory readiness.
- Consent journey — grant, use, withdraw, verify data utility is blocked
- No-trust gate — deny geo/utility until IP + location + WiFi + BLE align
- Trust window — elevated trust expires; downstream action should fail
- Audit replay — SOC/audit portal shows who did what with correlation IDs
- Tenant isolation — Aurora admin cannot see Meridian data
- Erasure request — Customer UUID erasure path (DPDP right to erasure)
- Fleet oversight — master operator views bank health without bank customer records
Honest scope boundaries
RegTech credibility requires clarity on what SEC@R delivers today versus organizational or roadmap items.