Bhanuprakash -M@bhanu77proglab618

CREDIFY.ai is an AI-powered scam and fraud warning assistant that helps users identify suspicious digital communications before they lose money or sensitive information. It analyzes SMS/text messages, call transcripts, emails, URLs, and UPI payment requests and provides an explainable risk assessment instead of simply returning a “Scam” or “Safe” label. The system combines multiple detection mechanisms, including machine-learning-based text analysis, rule-based detection, URL analysis, UPI-specific checks, email analysis, call analysis, and threat-intelligence-oriented checks. Its ML pipeline uses TF-IDF word and character features with a calibrated LinearSVC classifier. The model was trained on a curated dataset of 536 scam and safe examples, achieving 98.15% held-out accuracy and 98.51% average 5-fold cross-validation accuracy. These results are limited to the development dataset and are not presented as a guarantee of real-world performance. CREDIFY.ai provides explanations such as risk scores, scam categories, detected red flags, influential tokens, extracted URLs/UPI IDs, and recommended actions. Context-aware rules also help reduce false positives, such as correctly handling genuine OTP messages containing “Do not share this OTP.” The application uses React, Vite, Python, FastAPI, and Pydantic, with responsive UI, dark/light themes, accessibility support, internationalization, and PWA-ready functionality. Privacy is prioritized by avoiding unnecessary personal-data collection and external paid analysis APIs. IBM Bob 2.0 was used during development to understand the existing codebase, improve frontend components and UI/UX, assist with debugging, refine implementation, and accelerate development iterations. Bob was used directly with the project workspace, and Bob session summaries provide evidence of its contribution. CREDIFY.ai aims to act as an intelligent warning layer that helps users pause, understand potential risks, and make more informed decisions before clicking, sharing information, or making payments.

🌎 Online Hackathon | 💻 Online Build: Sept 26 - Oct 5, 2026 A virtual, global hackathon. Build from anywhere in the world. Dark Factory is the official hackathon of WeAreDevelopers World Congress North America, presented by BAND, but you don't need to be in San Jose to take part. For one week, you build a software factory in BAND Desktop: a band of coding agents that plans work, implements it and checks its own results. 🎟️ Bonus for sign-ups: you are eligible for a free ticket to WeAreDevelopers World Congress North America in San Jose (Sep 23–25). If you do go, stop by the BAND booth: a surprise is waiting for you.

💻 Online Hackathon | ⏳ Build: 48 hours | 📅 September 25–27, 2026 The official IBM Bob 2.0 hackathon. Build what's next in AI-assisted development, alongside the developers and experts shaping it. ⭐ Get help from experts throughout the event 🤝 Join a team or build solo 💰 Prize pool: $12,000 🧑🏻‍💻 Register before the Kick-Off Stream to start building with Bob