Building the trail
A bank or UPI statement in spreadsheet form — date, from, to, amount, mode — is read and laid out as a layered graph, following the money outward from the source accounts. Column names are matched flexibly, because no two banks export the same headings.
Pass-through
An account that forwards seventy per cent or more of what it receives is not a destination, it is a pipe. Flagged as one.
Fan-out and aggregation
Money splitting into several accounts, or several accounts feeding one — the two signatures of a laundering layer.
Same-day in and out
Received and moved on within the day, which is layering and nothing else.
High-value credit
A credit above ten lakh into an account whose history does not support it.
Terminal beneficiary
The account where the trail stops. Marked for freeze, and carried into the freeze list.
Cash-out
The two exits: withdrawal out of state, and transfer to a crypto exchange.
The freeze list
Flagged accounts collect into a list the officer can review and issue. In a fraud case the value of the platform is measured in hours — money still in a layer-one account can be recovered, money that has reached a cash-out cannot.
Into the case
FinX runs as its own product for a financial-crime wing, or inside the full suite where the same accounts appear in the FIR extraction, the correlation and the court report.