VaultBank: Zero-Trust Migration Cuts Fraud by 94% and Onboards 1.2M Users
VaultBank Group
How VOXDIGITS rebuilt a regional bank's payment and identity infrastructure with zero-trust architecture, AI-powered fraud detection, and a cloud-native core — reducing fraud losses by 94% while scaling to 1.2 million active users across three West African markets.
Within 90 days of full deployment, VaultBank achieved a 94% reduction in fraud-related losses — saving an estimated $7.9M annually. The new infrastructure scaled to 1.2 million active users with a peak concurrent capacity of 500,000, up from the previous 180,000 ceiling. Transaction settlement times dropped from an average of 14 seconds to under 200 milliseconds. System uptime improved from 98.2% to 99.97%, meeting central bank SLA requirements. The adaptive authentication system achieved a 99.4% legitimate-user pass-through rate while blocking 99.1% of fraudulent access attempts. The bank passed its next regulatory audit with zero findings and launched three new fintech partnerships within six months via the open API gateway. Customer onboarding time dropped from 5 business days to under 12 minutes through automated KYC verification.