Overview
- The Banco Central approved the measure in Communication A 8473 and announced Thursday that administrators of immediate transfers will receive public data to create systemwide fraud‑risk profiles.
- Four transfer administrators — Coelsa, NewPay, Red Link and Interbanking — will build the profiles and supply them at no cost to banks and payment account providers (PSPCP).
- The profiles will be based only on public information and are intended for transaction monitoring, new‑client onboarding and periodic KYC reviews under confidential handling rules.
- A stated goal is to surface accounts that may be used to channel funds to accounts linked to illegal gambling and to reveal suspicious patterns that only appear when transactions are seen across the whole payments system.
- Implementation will be gradual and regulators expect several months before measurable effects; the scheme is designed to complement existing bank and wallet controls and could reduce unknown debits and other common fraud complaints if widely adopted.