Mumbai, India: After establishing a strong presence at last year’s Money Expo, AT MOON VENTURES PVT LTD is set to return to Money Expo 2026 with a significantly advanced showcase of proprietary financial infrastructure technologies.
At Money Expo 2025, the company introduced its PoP (Purpose of Payment) Technology, bringing structured intent, compliance clarity, and traceability into digital transactions.
At Money Expo 2026, the company is expanding that vision with a new generation of innovations, including:
- UPC (Universal Player Code)
- UUC (Universal User Code)
- RTTMT (Real-Time Transaction Monitoring Tools)
- AI Model-Based EFRM (Enterprise Fraud Risk Management)
- Advanced UPI Address Fraud Detection Systems
This progression reflects a clear shift—from enabling visibility in transactions to building a deep intelligence and control layer for financial infrastructure.
From PoP (Purpose of Payment) to Structured Financial Intelligence
The introduction of Purpose of Payment (PoP) last year addressed a fundamental gap in digital transactions—the absence of structured intent.
PoP enabled financial systems to understand not just the transaction, but its purpose, thereby improving:
- Compliance and audit frameworks
- Transaction classification and reporting
- Institutional visibility
- Reconciliation efficiency
This laid the foundation for a more intelligent transaction ecosystem, which is now being expanded in 2026.
UPC: Universal Player Code
One of the key innovations this year is UPC (Universal Player Code)—a standardized identity layer designed to uniquely identify participants within transaction ecosystems.
Key advantages include:
- Unified tracking of transaction participants
- Enhanced accountability across financial flows
- Improved fraud traceability
- Stronger ecosystem-level transparency
UPC ensures that every participant in the transaction lifecycle can be consistently identified and monitored.
UUC: Universal User Code
Complementing UPC is UUC (Universal User Code), designed to create a unified identity framework for users across financial systems.
Key benefits include:
- Single, standardized user identity layer
- Seamless cross-platform integration
- Stronger KYC-linked authentication
- Enhanced compliance and traceability
UUC plays a critical role in enabling secure and interoperable financial ecosystems.
RTTMT: Real-Time Transaction Monitoring Tools
To strengthen operational control, AT MOON VENTURES is introducing RTTMT (Real-Time Transaction Monitoring Tools)—a system that provides live visibility and control over transaction flows.
Core capabilities include:
- Real-time transaction tracking
- Instant anomaly detection
- Live reconciliation insights
- Institutional dashboards and monitoring systems
- Integration with fraud risk engines
RTTMT acts as a central control layer, ensuring transparency and operational efficiency at scale.
AI-Based EFRM: Enterprise Fraud Risk Management
The company is also showcasing its AI Model-Based EFRM (Enterprise Fraud Risk Management) system.
Built on machine learning and behavioral analytics, EFRM enables:
- Real-time fraud detection and risk scoring
- Adaptive models that evolve with fraud patterns
- Multi-layer monitoring across transaction lifecycles
- Automated alerts and preventive actions
This enables institutions to shift from reactive fraud detection to proactive risk management.
Advanced UPI Address Fraud Detection
With the rise of UPI transactions, fraud risks linked to UPI addresses have increased significantly.
The platform introduces:
- Identification of high-risk UPI IDs
- Behavioral anomaly detection
- Pre-transaction fraud alerts
- Enhanced trust in real-time payments
This ensures security without compromising speed, a critical requirement in India’s payment ecosystem.
Integrated Financial Infrastructure Vision
These innovations are part of a broader ecosystem that includes:
- Payment Collections infrastructure
- PayOut systems
- Escrow enablement via banking integrations
- BBPS connectivity
- CBDC (e₹) readiness
- RTTMT-driven monitoring systems
Together, they form a unified platform for banks, financial institutions, and merchant ecosystems.
Leadership Participation at Money Expo 2026
AT MOON VENTURES’ presence at Money Expo 2026 will be led by its core leadership team, reflecting the strategic importance of this milestone.
The participating leadership includes:
- Mr. Rakeshwar Sharma, CEO, AT MOON VENTURES PVT LTD
- Ms. Pooja Rawat, Director, AT MOON VENTURES PVT LTD
- Mr. Darshan K. Sheth, Director, AT MOON VENTURES PVT LTD
- Mr. Abhinav Gajanan Ladole, Core Product & Technology Head
Their presence underscores the company’s commitment to engaging with banks, institutional partners, and the broader fintech ecosystem while showcasing its next-generation infrastructure capabilities.
Founder’s Perspective
Speaking about the upcoming showcase, Mr. Rakeshwar Sharma said:
“At Money Expo 2025, we introduced Purpose of Payment to bring structure into transactions. At Money Expo 2026, we are introducing Universal Codes, Real-Time Monitoring, and AI-driven risk systems to build a deeper intelligence layer.
Our focus is to develop financial infrastructure that is secure, scalable, and aligned with regulatory frameworks, while also being intelligent and future-ready.”
A Strategic Step Toward Infrastructure Leadership
AT MOON VENTURES’ participation in Money Expo 2026 marks its continued evolution into a financial infrastructure company.
By combining:
- Purpose-driven transaction frameworks (PoP)
- Universal identity systems (UPC & UUC)
- Real-time monitoring tools (RTTMT)
- AI-powered fraud prevention (EFRM)
- UPI fraud intelligence
- And integrated payment infrastructure
the company is contributing to building a secure, transparent, and scalable financial ecosystem for India’s digital future.
