Mule Sentinel
Stop money mules before they open
an account
A mule clears every KYC check. Mule Sentinel reads the risk intent underneath, and decides: approve, step up or reject.
Real-time decision
Approve, step-up or reject
180+ Payment Methods
Dedicated Account Manager
Real-time decision
Approve, step-up or reject
180+ Payment Methods
Dedicated Account Manager
1M+ Businesses
Go Live the Same Day
Settlements from 15 Minutes
180+ Payment Methods
Dedicated Account Manager
1M+ Businesses
Go Live the Same Day
Settlements from 15 Minutes
180+ Payment Methods
Dedicated Account Manager
Mules don't fail KYC.
They pass it
A money mule is a real person with real documents, so identity checks clear them. The hard part is finding the few you must stop among the many you must approve, at the moment they apply.
A new layer in the onboarding stack
Verification confirms the identity. Mule Sentinel makes the risk decision. For every applicant. In real time.
Where onboarding decisions carry the most risk
Wherever an account can move money, a mule can try to open one. Mule Sentinel adapts to how each institution onboards.
Banks
Savings & current account opening. High volume account opening is where mule rings enter the financial system. Mule Sentinel scores account-opening risk in real time and surfaces the hidden relationships that single-applicant checks never see, so fewer accounts are frozen by law enforcement later.
Real-time account-opening risk scoring
Mule ring detection across shared devices, numbers and beneficiaries
Fewer accounts flagged by police after opening
Step up only who needs it, approve the rest instantly.
NBFCs
Synthetic and mule identities inflate risk before a single rupee is disbursed. Mule Sentinel separates genuine borrowers from coordinated fraud at origination, so the book stays clean from day one and cases do not surface months later.
First-party and synthetic identity signals at origination
Coordinated fraud detection before disbursal
Cleaner portfolios and lower fraud-driven early default
Straight-through onboarding for low-risk applicants
Fintech
Wallets, neobanks and prepaid accounts onboard fast and at scale, which is exactly what mule operators look for. Mule Sentinel brings the same account-opening risk intelligence into your flow through one API, so you can ship mule detection without building a risk stack in-house.
Wallet and account opening risk scoring
Mule and synthetic identity detection
One API into your existing onboarding
Approve genuine users without added friction
Insurance
Claim settlements and premium refunds move money to accounts you never opened. Mule Sentinel checks payout accounts at policy issuance and claims onboarding, so funds reach real policyholders instead of a laundering chain.
Payout account risk checks
Mule and fraud-ring detection
Cleaner claim and refund payouts
Fewer settlements to flagged accounts
Wealth
Investor onboarding is a quiet target for mules moving money through demat and investment accounts. Mule Sentinel confirms genuine investor intent at account opening and keeps the book clean, without slowing down the customers you want.
Investor account-opening risk scoring
Mule and synthetic identity detection
Clean books from day one
Low-friction approval for genuine investors
The Identity Decision Tree™
Intent can't be verified. It can only be inferred through evidence.
Every stage adds evidence. The decision is the sum of what the evidence shows.
Evidence
Every decision needs better evidence
No single signal proves intent. Each independent layer of evidence you gather around an identity makes the decision sharper, and much harder to fool.
Payment Graph
The strongest evidence isn't on the application
Payment Graph starts from confirmed bad actors. With every hop across it, the network of linked mules compounds, from about a hundred, to a thousand, to ten thousand.
What better evidence changes
Not a longer feature list. A sharper decision, and the outcomes that follow from getting onboarding right.
Approve the genuine customers instantly. Step up only the ones that need a closer look. Reject the accounts that should never open.
Flag the accounts that matter, not the customers you want.
Fewer good applicants held up by blunt rules.
Accounts Opened
Flag the accounts that matter, not the customers you want.
Risk reviews
Fewer good applicants held up by blunt rules.
Make better onboarding decisions
Move beyond identity verification with Identity Risk Intelligence, powered by Mule Sentinel.
Frequently asked
questions
What is Mule Sentinel?
Mule Sentinel is a real-time mule account detection and risk intelligence solution that helps businesses identify applicants who may be using accounts associated with mule activity, before they become a fraud or compliance risk.
When does Mule Sentinel make a risk decision?
Mule Sentinel is designed to return a risk assessment in real time, allowing businesses to evaluate applicants during onboarding rather than discovering potential mule activity later.
What can businesses do with a Mule Risk Score?
Businesses can use the score to segment applicants into risk categories and route them to the appropriate action, such as approving the applicant, triggering enhanced due diligence, or sending the case for manual investigation.
Can Mule Sentinel help with enhanced due diligence (EDD)?
Yes. Mule Sentinel can help teams identify higher-risk cases that may require further investigation or EDD, allowing compliance teams to focus their attention where the risk signals are stronger.
How does Mule Sentinel identify mule risk?
Mule Sentinel analyses signals across an applicant’s profile and account behaviour to generate a Mule Risk Score. It combines these signals to classify applicants by risk and help teams decide whether to approve, review, or investigate them further.
Does Mule Sentinel replace identity verification?
No. Identity verification establishes who an applicant is. Mule Sentinel adds the risk intelligence layer that helps determine whether that identity presents a potential mule risk.
Who can use Mule Sentinel?
Mule Sentinel is built for businesses and financial institutions that onboard customers or beneficiaries and need to identify potential mule activity as part of their risk and compliance workflows.
Can Mule Sentinel integrate with our existing onboarding and risk systems?
Mule Sentinel can be integrated into existing onboarding and risk workflows so that mule-risk assessment can happen as part of the customer journey, without requiring teams to rebuild their existing verification stack.
