Wireframes

Wireframes for UPI Shield

Risk-based friction, mapped end-to-end

Low → Medium → High risk states translate into clear screens: Payee Trust Card, Name-match, Intervention Ladder, Cooling-off, and Recovery flows—kept lightweight for safe users.

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About UPI Shield

A Trust & Safety UX Concept

Risk-based friction for instant UPI payments.

Why this exists

UPI payments are fast—scams exploit that speed. UPI Shield explores a safer flow that stays frictionless for legitimate users, but slows suspicious transfers with clear, explainable cues.

What the system does

It converts signals into risk states (Low/Medium/High) and triggers a progressive ladder: Nudge → Verify → Cooling-off. The design prioritizes clarity, user control, and recovery after near-misses.

Concept case study • Not affiliated with NPCI/banks

Why It Works

Stay Fast When Safe

Slow down only when risk stacks.

Explainable at every step

Instead of vague warnings, UPI Shield shows clear risk reasons (like name mismatch or new payee) and gives one safe next action—so users understand and stay in control.

Recovery-first by design

High-risk transfers introduce a short cooling-off window with an easy cancel option, plus quick reporting and guided recovery—built to reduce regret after near-misses.

Concept prototype • Designed for Trust & Safety UX

Inside the Prototype

What UPI Shield Covers

Key screens, states, and safety interventions—end to end.

This prototype focuses on the highest-risk moments in UPI: new payee transfers, name mismatch, collect-request pressure, and post-incident recovery—without adding friction to safe users.

Effortlessly connect with your favorite tools. Whether it's your CRM, email marketing platform.

Payee Trust Card

Context before you send

Payee Trust Card

Context before you send

Payee Trust Card

Context before you send

Risk Reason Sheet

Explainable safety cues

Risk Reason Sheet

Explainable safety cues

Risk Reason Sheet

Explainable safety cues

Intervention Ladder

Nudge → Verify → Cooling-off

Intervention Ladder

Nudge → Verify → Cooling-off

Intervention Ladder

Nudge → Verify → Cooling-off

System

UPI Shield System Components

Signals → Risk → Recovery

A compact, explainable safety layer for UPI—detects scam signals, shows clear reasons, applies progressive friction, and supports recovery without slowing normal payments.

Effortlessly connect with your favorite tools. Whether it's your CRM, email marketing platform.

Signals & Trust Inputs

Risk signals layer

New payee, name-match confidence, transaction velocity, device/behavior cues—merged into a single risk state for the flow.

Signals & Trust Inputs

Risk signals layer

New payee, name-match confidence, transaction velocity, device/behavior cues—merged into a single risk state for the flow.

Signals & Trust Inputs

Risk signals layer

New payee, name-match confidence, transaction velocity, device/behavior cues—merged into a single risk state for the flow.

Risk Model + Explainability

Reason codes

Lightweight scoring + rules that produce human-readable “why” reasons—powering the Risk Reason Sheet and next-step guidance.

Risk Model + Explainability

Reason codes

Lightweight scoring + rules that produce human-readable “why” reasons—powering the Risk Reason Sheet and next-step guidance.

Risk Model + Explainability

Reason codes

Lightweight scoring + rules that produce human-readable “why” reasons—powering the Risk Reason Sheet and next-step guidance.

Intervention + Recovery

Progressive protection

Nudge → Verify → Cooling-off only when signals stack, plus cancel window + quick report + guided recovery to rebuild trust.

Intervention + Recovery

Progressive protection

Nudge → Verify → Cooling-off only when signals stack, plus cancel window + quick report + guided recovery to rebuild trust.

Intervention + Recovery

Progressive protection

Nudge → Verify → Cooling-off only when signals stack, plus cancel window + quick report + guided recovery to rebuild trust.

Design FAQ

Questions

and Decisions

Short answers on why we chose risk-based friction, how signals map to interventions, and what tradeoffs protect legit users.

Effortlessly connect with your favorite tools. Whether it's your CRM, email marketing platform.

Why not show warnings to everyone?

What signals does the system consider?

How does the “Intervention Ladder” work?

How do you avoid fear-mongering?

Why not show warnings to everyone?

What signals does the system consider?

How does the “Intervention Ladder” work?

How do you avoid fear-mongering?

Why not show warnings to everyone?

What signals does the system consider?

How does the “Intervention Ladder” work?

How do you avoid fear-mongering?

Why not show warnings to everyone?

What signals does the system consider?

How does the “Intervention Ladder” work?

How do you avoid fear-mongering?

Next Step

Try UPI Shield Prototype

Fast when safe. Protective when risk stacks.

Explore the trust ladder in action—Payee Trust Card, Risk Reason Sheet, step-up verification, cooling-off timer, and Recovery + Reporting flow.

Next Step

Try UPI Shield Prototype

Fast when safe. Protective when risk stacks.

Explore the trust ladder in action—Payee Trust Card, Risk Reason Sheet, step-up verification, cooling-off timer, and Recovery + Reporting flow.

Next Step

Each Project, Our

Design is Great.

Explore the trust ladder in action—Payee Trust Card, Risk Reason Sheet, step-up verification, cooling-off timer, and Recovery + Reporting flow.

Next Step

Try UPI Shield Prototype

Fast when safe. Protective when risk stacks.

Explore the trust ladder in action—Payee Trust Card, Risk Reason Sheet, step-up verification, cooling-off timer, and Recovery + Reporting flow.