Test it on your files → Live prototype
Forensic Verification · MSME Lending · Upstream of your LOS

Stop lending
to fabricated
files.

TruthStack catches the 3.5% of MSME fraud that Bureau and KYC checks are blind to — reconciling GST, Bank Statements, and Invoices simultaneously to deliver a decision-ready file in 2 minutes.

Test it free — on your own files Watch the Live Engine
3.5%
of MSME applications — fabricated. Invisible to Bureau & KYC.
8 hrs → 2 min
Analyst prep time eliminated. Decision-ready file delivered.
79 + 13
Deterministic rules + AI forensic checks. Every file. Every time.

Complements your LOS · Replaces no existing tool · Pilot-ready in days, not months

The Problem

The Bureau confirms
they exist. It doesn't
confirm they're honest.

Today, your analysts spend 8 hours acting as data entry clerks — manually reconciling silos. While they're busy matching GST totals to bank credits, they miss the Ghost Signals.

Ghost Signal 01 · Circular Trading
Funds move A→B→C→A
Turnover looks real. Revenue is fabricated. Funds cycle back to the originator through layered transfers — invisible to any single-source check, detectable only when GST, bank, and invoice are read simultaneously.
Ghost Signal 02 · Duplicate Financing
Same invoice. Three lenders. This morning.
The same invoice was submitted to three lenders simultaneously before any of them could check. Bureau clears it. KYC clears it. Only a cross-lender fingerprint registry catches it — instantly.
Ghost Signal 03 · Template Fabrication
Passes visual inspection. Fails forensics.
High-quality fake invoices with consistent fonts, correct GST, and real buyer names. They pass every manual check. Metadata tampering, font embedding anomalies, and behavioral spikes in GST filing expose them.
TruthStack does in 2 minutes what your best analyst does in a day — but with 100% consistency.
Every file. No exceptions.
How It Works

Hard rules for fraud.
Governed AI for patterns.

We don't believe in black-box AI for credit. The engine runs on two layers of logic — and you can audit every decision.

Layer 1 — The RATF Rules
79 checks.
Non-negotiable.
Binary. If the GSTIN is cancelled or the invoice date is in the future, it's a Hard Reject. No inference. No override. No exceptions.
Recency — Document freshness scored. Stale evidence flagged at source.
Accuracy — 15 cross-source checkpoints: GST ↔ Bank ↔ Invoice. Simultaneous.
Traceability — Every data point traced to its originating document. No orphaned numbers.
Fraud — 50 binary checks across document, behaviour, and network signals.
Layer 2 — Forensic AI
13 models.
What humans can't see.
AI flags surface only above 85% confidence. Advisory only — Layer 1 rules decide. You get 2–4 consolidated findings, not 50 raw model outputs.
Font inconsistencies — Mixed font families and embedding anomalies from edited PDFs.
Metadata tampering — Creation timestamps, author fields, and modification history.
GST filing spikes — Behavioral surges in turnover in the 60 days before application.
Profile incoherence — Contradiction scoring across conflicting data streams.
The Result
You don't get a score. You get a Forensic Verdict — with the evidence trail to defend it to your RBI examiner.
The Workflow

Kill the 8-hour
data assembly loop.

Your analysts should be judging risk, not typing numbers into spreadsheets. CAM Bridge automatically populates your lender-specific Credit Appraisal Memorandum with verified, source-tagged data.

Without CAM Bridge — what the analyst does today
2–3 hrs
Data collection — GST portal, bank statements, CIBIL, ITR, invoices, MCA
3–4 hrs
Manual reconciliation — GST vs bank credits, invoice vs payment narrations
1–2 hrs
Ratio computation — EBITDA, DSCR, ICR, WC days, TOL/TNW
1–2 hrs
CAM population — financial tables, bank conduct, dedupe, hygiene checks
8–12 hrs
Before a single credit judgment is written
With CAM Bridge — same file, same CAM
<2 min
RRP runs. The forensic verdict is ready. CAM Bridge opens pre-filled.
Each field
Shows the verified value, the source document it came from, and its evidence grade.
Flags
Surface inline — in the CAM section they belong to, not as a separate list.
Never
Credit recommendation, pricing, approving authority — always analyst-owned. TruthStack does not touch this.
~45 min
Credit judgment. Not data assembly.
Verified P&L & Ratios
Directly from source documents
Full financial table, EBITDA, DSCR, WC days, concentration — computed from reconciled data. Not re-entered by hand.
Banking Conduct
Auto-flagged for bounces & utilisation
12-month cheque bounce history, CC utilisation trend, and conduct summary — pulled from bank statements directly.
Inline Evidence
Every number is source-tagged
Click any number in the CAM to see the exact document it came from and what the engine found. The analyst sees what we saw.
The Proof · Engine Live

See the fraud we
caught this morning.

Don't take our word for it. Five real-world MSME scenarios — from a perfectly clean approval to sophisticated consortium fraud. Every score, flag, and narration is verbatim engine output.

  Explore live engine output →
E001 · Invoice Factoring · ₹13,12,500
Clean Approval
TruthScore 84.8
Auto approve
Arjun Traders. All 82 checks pass. Accuracy 93.0 — fully reconciled across all 15 cross-source checkpoints. Zero fraud signals.
E004 · PO Finance · ₹32,00,000
Duplicate Financing
TruthScore 52.9
Auto reject
Atlas Exports. The "clean" file that was actually a duplicate invoice — same invoice submitted to multiple lenders simultaneously. F4.5 hard stop.
E005 · Supply Chain Finance · ₹18,75,001
Identity Failure
TruthScore 29.5
Manual review
Nexus Pharma. Payment settled before invoice date — temporally impossible. CP2 CRITICAL. Recency 10.0 — severely stale documents throughout.
E006 · Unsecured WC · ₹44,84,000
Consortium Fraud Ring
TruthScore 56.1
Auto reject
Delta Distributors. How we flagged a circular trading ring in 90 seconds — seller in consortium fraud registry, buyer contradicts seller claim. F4.1 CRITICAL.
E007 · Secured Term Loan · ₹10,44,067
Cross-Source Mismatch
TruthScore 65.4
Manual review
Vishwa Trading. Five independent accuracy failures simultaneously — invoice number, amount, beneficiary, GST, and payment all mismatched. Accuracy 49.0.
The Enterprise Sale

Built for the Indian
compliance reality.

We know your InfoSec hurdles. TruthStack is built to be invisible infrastructure — the kind that passes procurement, InfoSec review, and RBI audit without a conversation.

Deployment
Sovereign by design
Runs entirely inside your VPC. No vendor access to your network. No agent installation. One API call — documents in, verified RRP out. Your LOS and BRE stay exactly as they are.
Data Handling
Stateless. Always.
We do not store borrower data. Every check runs in RAM. Nothing is written to disk. The moment the RRP is returned, the data is purged. No retention. No egress. No exceptions.
Regulatory
RBI & DPDP compliant
Built for the latest Indian data localisation mandates. Every check is evidence-graded with document source, what was examined, and what was found — an audit trail your RBI examiner can read directly.
Pilot-ready in days, not months.
One sprint for full integration · No rip-and-replace · Configure in one call
From Prototype to Pilot

Send us files you've
already decided on.
We'll show you what we find.

Two founders — one who built the engine, one who spent six years in MSME fintech watching bad loans start with unverified data. TruthStack is the product we wish had existed when we were on the lender side.

A free analysis on
20 of your own files.
Pick 20 loan files you've already approved or rejected — anything from the last 6 months. We run them through the engine and send you back exactly what TruthStack found: every flag, every cross-source mismatch, every signal. If we don't find anything you didn't already catch, we walk away. No sales deck. No discovery call. Just the output.
Send us your files → Email us directly →
Venkatesh Murthy · venkatesh@truthstackapi.com
Valleesh Athreya · valleesh.athreya@truthstackapi.com
What a pilot looks like
01
Configure — product type, risk parameters, tolerance thresholds. One call. One hour.
02
Run — your files in, Risk Ready Packets out. Compare to what your process currently catches.
03
Decide — full integration is one sprint. Or walk away with a clear view of what your process is missing. No lock-in.