Merchant risk monitoring,
built in Malaysia for ASEAN
Kenal AURA is built by Unbraided AI Sdn Bhd, a Malaysia-based company delivering merchant lifecycle risk operations for acquirers, PSPs, payment facilitators, and fintechs across Malaysia and the wider ASEAN region.
Mission
Close the gap between what card schemes require and what the region can actually run.
Mastercard BRAM, MMP reporting, and MATCH discipline are not optional. But the monitoring tools designed for those rules were built for US and European portfolios. Kenal AURA is built from the ground up for the registries, languages, payment rails, and regulatory climate of Malaysia and ASEAN, while still producing the exact evidence shape a card scheme inquiry expects.
We run on a multi-cloud regional footprint spanning AWS Malaysia and GCP Singapore, and place each tenant on the regional cloud that meets its country's data residency requirement. PDPA alignment and card-scheme audit expectations are part of the same feature cycle, not an afterthought.
Why we build the way we build
Four principles the product is organized around
These are not slogans. They decide what ships, how detections are modelled, and what evidence the platform retains.
Merchant monitoring built for the region
Most off-the-shelf monitoring platforms were built for North American and European portfolios. They do not understand SSM, ACRA, MyKad, or the mix of languages and MCC drift patterns that show up across ASEAN merchants. Kenal AURA starts from the regional registries and scales out.
Source systems before self-declaration
Every onboarding and re-verification starts from an authoritative source: SSM e-Info, MyKad OCR with face match, premises walkthrough video, and live website scans. Self-declared form fields are cross-checked against the sources, not trusted blindly.
Evidence that survives the audit
Every detection, analyst decision, and case disposition is retained with a timestamp and source reference. Scheme inquiries, internal audits, and regulator requests can be answered from the same evidence bundles the platform already generates.
A platform, not a point tool
Onboarding, continuous monitoring, investigation workflows, and compliance reporting all share the same merchant record, the same case queue, and the same evidence chain. Analysts do not switch dashboards to see a merchant end to end.
What the platform covers
One platform from onboarding to compliance report
Kenal AURA is not a single product. It is the surface area that runs the full merchant lifecycle inside one evidence trail.
Onboard
Source-grade KYB
SSM e-Info, director eKYC, premises walkthrough video, and on-device mobile onboarding.
Monitor
Continuous web and signal monitoring
Multi-locale crawls, pinned-page drift, adverse media, and entity discovery on policy cadence.
Investigate
Owner-based case workflow
Analyst ownership, SLA timers, resolution codes, and full decision audit.
Report
Scheme-ready reports and evidence
Structured MMP outputs, signed evidence bundles, and seven-year retention.
Also by Unbraided AI
A family of products built for the same region
Kenal AURA is one of three products in the Unbraided AI family. The other two share the same technical bar and regional focus.
Kenal eKYC
Identity verification with MyKad OCR, selfie liveness, and face match scoring. Powers the director eKYC flow inside Kenal AURA and is also available as a standalone API for other identity workflows.
Kenal Stamps
Legally binding digital stamping aligned to Malaysia's stamp duty framework. A sister product in the Unbraided AI family focused on document and contract workflows.