Enterprise-Ready FHE Services
Choose from 4 production-ready templates or build custom solutions. All compliant with UK financial regulations.
Credit Risk Assessment
Assess loan risk without exposing customer financials
Encrypts customer income, debt, and credit score data. Computes risk scores using FHE (BGV scheme) and returns decrypted risk categories (low/medium/high) without ever accessing plaintext data.
Key Benefits:
- Basel III standardized approach compliant
- Auto-detects 80+ column name variations
- Processes 400+ applications/second
- 100% accuracy (encrypted = plaintext results)
Real-World Use Case: A UK neobank processes 10,000 loan applications/day. With Obfuscora, they analyze creditworthiness without storing plaintext income data - reducing GDPR risk by 90%.
Fraud Detection
Real-time fraud detection on encrypted transactions
Encrypts transaction amount, location, merchant, and velocity data. Computes anomaly scores using CKKS scheme for real numbers. Flags suspicious transactions without exposing payment details.
Key Benefits:
- <500ms latency per transaction
- Stripe Radar alternative (95% use default templates)
- Works with encrypted card data (PCI-DSS compliant)
- FCA Consumer Duty aligned with explainable decisions
Real-World Use Case: Revolut processes 150M transactions/year. With Obfuscora, fraud teams analyze patterns without accessing individual transaction data - protecting customer privacy while catching fraudsters.
AML Screening
Money laundering detection without exposing wire transfers
Encrypts transaction amounts, sender/receiver countries, and transaction patterns. Detects suspicious patterns (structuring, large cash deposits) using BFV scheme compliant with FATF guidelines.
Key Benefits:
- UK Money Laundering Regulations 2017 compliant
- FATF 40 Recommendations aligned
- Threshold alerting (£10K, £15K customizable)
- Audit trail with encrypted logs
Real-World Use Case: A UK challenger bank flags £50M+ suspicious transactions/year. With Obfuscora, compliance teams screen transfers without violating customer confidentiality - satisfying both PRA and GDPR.
Loan Default Prediction
Predict defaults while protecting borrower data
Encrypts payment history, account age, and credit utilization data. Computes probability of default (PD) using BGV scheme and outputs risk-weighted asset (RWA) calculations.
Key Benefits:
- Basel II/III IRB approach compatible
- PRA stress testing ready
- Supports UK mortgage underwriting standards
- Integrates with Experian/Equifax APIs
Real-World Use Case: TSB Bank underwrites £500M in loans annually. With Obfuscora, risk teams run stress tests on encrypted portfolios - meeting PRA capital requirements without centralized plaintext databases.
Multi-Party Computation (MPC)
Collaborate on encrypted data without sharing it
2-party or 3-party threshold FHE with secret sharing using Additive and Shamir schemes. Enable secure data collaboration between banks without revealing individual account details.
Key Benefits:
- Consortium risk sharing (reduce fraud 40%)
- GDPR-compliant data collaboration
- No trusted third party needed
- Cryptographically secure (128/256-bit)
Real-World Use Case: 3 UK banks want to detect cross-institution fraud rings. With Obfuscora MPC, they analyze shared customer behaviors without revealing individual account details to each other.
Custom FHE Solutions
Bespoke encrypted analytics for unique workflows
Custom formula builder with Python SDK support for all OpenFHE schemes (BGV, BFV, CKKS, TFHE). Dedicated integration support and professional services included.
Key Benefits:
- Professional services included
- Integration with Salesforce, SAP, Snowflake
- White-glove onboarding (4-6 weeks)
- 99.99% SLA guarantee
Real-World Use Case: Klarna needs to score Buy Now Pay Later (BNPL) loans using proprietary ML models. Obfuscora builds custom FHE workflows - protecting customer shopping data while enabling real-time credit decisions.