Protect. Detect. Defend.
Lyfe-Shield is the real-time fraud, scam, and identity system built into every Lyfe-Pay transaction — not bolted on after the fact.
A defense system in three layers.
Protect
Configurable rules score every send, payment link, and incoming transfer before money moves.
- Per-transaction risk score (0–100)
- 11 default rules — fully tunable
- Hard-blocks on critical risk
Detect
The AI assistant continuously scans your activity for scams, anomalies, and known fraud patterns.
- Real-time scam keyword scanning
- Velocity & off-hours anomaly detection
- Risk Center with one-click triage
Defend
Identity verification, device binding, and audit trails keep impostors out of your account.
- KYC — document + selfie verification
- End-to-end audit logs
- Per-card freeze, limits, and controls
Foundational controls
The hygiene Lyfe-Shield runs on top of.
Encryption
TLS 1.3 in transit, AES-256 at rest. Hardware-backed key storage.
Two-factor auth
App, SMS, and security-key 2FA on every account.
Audit logs
Every action — every transfer — every login — written immutably.
Compliance
KYC/AML, transaction monitoring, sanctions screening built-in.
Independent rail
Lyfe-Pay does not depend on third-party processors. Our ledger is our own.
Fraud protection
Real-time risk scoring on every transaction.