Payguard

UK bank-transfer pre-send hygiene — modulus · bank ID · name checks · durable masked receipt

Not Confirmation of Payee APP-fraud pause ritual Privacy-first share

Runs entirely on deterministic checks (bundled Vocalink subset + heuristics). No paid APIs. Full account numbers are never stored on shared receipts — only a mask + hash.

Payguard is not Confirmation of Payee, not a bank service, and not advice. A modulus pass only means the number is structurally possible — not that the account exists or belongs to the named payee. Always confirm in your banking app before sending money.