PayGuard AI - Payment Fraud detection system

Indian UPI scams such as fake refund QR codes, lookalike payment links, marketplace advance-fee scams, and social-engineering tricks often succeed because victims act on a single piece of information without verifying it. PayGuard AI provides that missing second opinion before money moves. Users submit a payment detail along with context (amount, source, and purpose), and a team of specialized AI agents investigates collaboratively. After an initial guardrail check using Featherless AI, the FastAPI backend creates a dedicated Band room where agents work sequentially, sharing findings through a common context rather than communicating directly. The workflow includes destination intelligence, QR and UPI validation, web intelligence, and final verdict synthesis powered by AI/ML API models using Band Room built using Band AI. When evidence is unclear, agents can request additional information from the user. The response is added back into the same shared context, making humans part of the collaboration loop instead of an external override. Every investigation produces an auditable record and a shareable report, enabling banks, UPI apps, fintechs, and marketplaces to integrate PayGuard AI as a pre-transaction risk layer. Instead of manually searching suspicious UPI IDs, users receive a structured, evidence-backed investigation before pressing Pay.