Strategic Partnership Brief · TruthStack × PSB Xchange

The rail is ready.
The intelligence is here.
Every MSME application — decision-ready.

TRUTHSTACK × PSB XCHANGE
March 2026

PSB Xchange connects 12 public sector banks on one interoperable rail. TruthStack is the verification intelligence layer built to sit inside it — so every matched application arrives at the credit officer's desk as a decision, not a file. Two platforms. One purpose.

PSB Xchange routes the application. TruthStack verifies it. Every matched lead arrives at the credit officer's desk — verified, fraud-checked, and credit-profiled across 12 PSBs and 13 lending products.
⚡
Faster decisioning
STP-eligible files go straight to decision. Flagged files arrive with resolution paths — not raw data to interpret.
📈
Scale at 30L / year
Under 2 minutes per application — scales with PSB Xchange's full volume without adding headcount.
🔌
Lender & product agnostic
One API. All 13 PSB Xchange product types. Each PSB applies its own risk lens — no credit policy changes required.
🔒
Sovereign by design
Sealed microservice inside PSB Xchange's VPC. Processing in RAM. Zero data egress. RBI, CVC, and DPDP addressed by architecture.
TruthStack · API-First Verification Infrastructure For Discussion · March 2026
What TruthStack Is
TruthStack is API-first verification intelligence for MSME lending. Sits between data fetch and credit decision — running Recency, Accuracy, Traceability, and Fraud checks across 60+ deterministic checkpoints plus a governed AI advisory layer, generating a Risk Ready Packet in under 2 minutes.
01 / The Partnership Proposition
PSB Xchange routes every matched application to the right lender.
TruthStack ensures it arrives decision-ready.
Today — Raw Lead File on the Credit Officer's Desk
✕
A full day of stare and compare
GST, bank statements, and invoices reconciled manually — source by source. Most of the working day gone before assessment begins.
✕
Fraud screen in isolation
Each PSB works alone. Duplicate invoices, circular trading rings — invisible without cross-lender signal.
✕
CAM built from scratch
Evidence gathered, creditworthiness computed, memo compiled and routed — all before assessment can begin.
With TruthStack — Risk Ready Packet
✓
RATF verification already done
Recency, Accuracy, Traceability, Fraud — 60+ checks run. STP-eligible files flagged for straight-through decisioning. Flagged files arrive with prioritised resolution paths.
✓
Cross-PSB fraud intelligence embedded
Consortium signals checked. Duplicate financing detected before the file reaches the desk — officer sees a clean packet or a specific flag to act on.
✓
Credit officer acts — not prepares
9-section Credit Intelligence Summary compiled. CAM up to 90% auto-populated. The 7–8 day cycle compresses to same day for verified applications.
7–8 days
Current sanction cycle — manual verification prep drives the timeline
Same day
Target — STP-eligible files straight to decisioning, flagged files acted on not prepared
Governed AI
AI that advises — never decides. Fully auditable, fully controlled.
Surfaces what deterministic rules cannot detect — document tampering, behavioural anomalies, network fraud, predictive default signals — above 85% confidence only. Rules decide. AI advises. Humans judge.
Document Forensics Behavioural Patterns Network Intelligence Predictive Risk ≥85% Confidence Gate Zero Flag Fatigue
TruthStack · Verification Intelligence 01 / 04
Prototype & Deployment Readiness
The verification engine is built. The architecture is deployable.
Engine
RATF verification engine — designed and built
Recency, Accuracy, Traceability, Fraud — structured across 60+ deterministic checkpoints. Built to run inside institutional infrastructure from day one.
Output
Risk Ready Packet — implemented and generatable
The RRP schema, Credit Intelligence Summary, and flag prioritisation logic are implemented. A working packet can be generated on a representative application.
Deployment
Microservice architecture — designed for institutional deployment
Stateless, sealed API microservice. Inside a lender VPC, zero data egress, RAM-only processing — a core architectural constraint, not an afterthought.
02 / Verification Intelligence + Fraud Network
Two capabilities. One infrastructure.
Engineered to operate inside PSB Xchange.
Verification Intelligence
Every application assessed
before the team opens it.
60+ deterministic checkpoints across four pillars — Recency, Accuracy, Traceability, Fraud — plus a governed AI advisory layer that surfaces only what rules cannot catch, above 85% confidence. Teams act on what matters. Not noise.
Recency — is the business operationally current? Stale-data signals caught before the credit desk
Accuracy — GST, bank statements, and invoices cross-reconciled. Three independent sources cannot all be fabricated.
Traceability — every data point traced to its source. Incomplete evidence chains surfaced.
Fraud — checks across document integrity, circular trading, behavioural anomalies, and network signals
Consortium Fraud Pattern Intelligence
Method-level fraud patterns detected
across PSBs — no borrower data shared.
A PSB Xchange-governed intelligence layer — not an inter-bank data exchange. Fraud method signatures and anonymised transaction patterns shared across participating PSBs. No borrower identity, no raw data, no portfolio exposure crosses any institutional boundary.
Bank of Baroda processes an invoice — an anonymised fingerprint enters the consortium layer. UCO Bank sees the same invoice — the match is detected before any desk opens the file
A fraud pattern at one PSB becomes a behavioural signature shared immediately across all participating banks
Detection coverage compounds as more PSBs participate — signal quality grows with network scale
Why This Architecture Works Here
TruthStack runs as a sovereign microservice inside each institution's boundary — all processing within the VPC, nothing leaves. Only anonymised fingerprints cross institutional boundaries — no raw data, no PII, no cross-portfolio visibility. PSB Xchange's shared rail makes coordinated deployment structurally possible. Consortium governance is a collaborative design decision — part of the partnership, not a precondition.
3
3 signal pairs
Foundation — duplicate detection coverage established
6
15 signal pairs
Behavioural patterns begin compounding across PSBs
12
66 signal pairs
Full platform intelligence — structural coverage
TruthStack · Verification Intelligence 02 / 04
03 / How TruthStack Operates Inside PSB Xchange
API-first. Sovereign. Designed for how PSB Xchange works.
Deployment Topology
PSB Xchange VPC — Sovereign BoundaryAll borrower data · All verification processing · Stays here always
TruthStack · Sealed Microservice
One API call from PSB Xchange. RATF engine and AI advisory run entirely in RAM — stateless, purged on completion. Risk Ready Packet returned. Nothing written, nothing leaves.
Fraud Network Intelligence — Consortium Layer
Anonymised fraud fingerprints exchanged between participating PSBs — no raw data, no PII, no cross-portfolio visibility. Governance model designed as part of the partnership.
Zero data egress from PSB VPC · By Design
TruthStack Cloud
Non-data operations only
Licence & authorisation
Cartridge & rule updates
Regulatory releases
Never receives borrower data, GST records, bank statements or any PII
Why TruthStack is a Natural Fit for PSB Xchange
01 · Scales Automatically
One integration. All 13 PSB Xchange product types. Every product added going forward.
One API call covers all product types — Invoice Factoring applies receivables logic, Working Capital applies cash-flow logic. PSB Xchange adds a product, TruthStack adds a cartridge. Integration unchanged.
Invoice Factoring → buyer quality + receivables checks
Working Capital → cash-flow + banking conduct checks
New product → new cartridge → integration unchanged
02 · Compliance by Architecture
RBI data localisation, CVC, and DPDP addressed by architecture
Sealed microservice inside PSB Xchange's VPC — RAM processing, data purged on completion. RBI data localisation, CVC audit, and DPDP obligations met without InfoSec negotiation.
Zero data egress · CVC-aligned · DPDP by design · Single deployment architecture
03 · Each Bank's Own Lens
Same forensic engine. Each bank's own risk policy.
The same verification standard runs across all PSBs — consistent and auditable. Each bank configures its own thresholds, weightings, and overlays independently.
Shared verification standard · Individual risk sovereignty
Rules Decide AI Advises Humans Judge Zero Data Egress · Ever
TruthStack · Verification Intelligence 03 / 04
04 / The Ask
One conversation. Everything else follows naturally.

PSB Xchange is exactly the platform TruthStack was built for. We are not here to pitch — we are here to explore whether these two infrastructures belong together.

Proposed Path
Exploratory conversation → Live demo → Pilot together.
Step 1 — The conversation we are asking for
30 minutes — to share what we have built and understand where verification fits in PSB Xchange's roadmap
No commitment, no follow-up deck — an honest discussion about whether these two infrastructures belong together
Step 2 — If it resonates, we show it live
A working Risk Ready Packet on a representative MSME application — RATF verification, AI advisory, Credit Intelligence Summary, end to end
Your credit team sees exactly what lands on the desk before assessment begins
Step 3 — If the demo lands, we design the pilot together
2–3 PSBs, two lending products, defined volume — scoped around what works for PSB Xchange
Consortium governance designed collaboratively as part of the pilot, not before it
TruthStack · Verification Intelligence 04 / 04
The rail is ready. The intelligence is here.
PSB Xchange brings the rail, the banks, and the reach. TruthStack brings the verification intelligence. Together, every matched application becomes a same-day decision.
30L / Yr
MSME applications on PSB Xchange's rail — every one verified before pickup
12 PSBs
One shared rail — consortium fraud intelligence scales across all
<2 min
Matched lead to Risk Ready Packet — officer opens a decision, not a file
₹3L Cr
The vision — executable with verification intelligence in the loop
The ask is simple — a 30-minute conversation to share what we have built and understand where this fits in PSB Xchange's thinking. If it resonates, we show it live. If the demo lands, we build the pilot together. The goal is not a deal — it is a partnership that makes every MSME application on PSB Xchange's rail decision-ready.