Payment failures
show up as complaints first.
Conflux HQ unifies every customer complaint, spots the spike, finds the likely cause and drafts the response. A human approves anything that touches money.
Meet Conflux HQ.
How it worksConflux HQ is the early-warning layer between customer, bank, switch and merchant, turning scattered complaints into one clear, explained incident.
The gap is measurable
23,129
CBN complaints, 2025 (+10.53%)
₦19.12bn
refunds ordered, plus $329.3m
Failed transactions, unauthorised deductions and delayed refunds, each one first seen as a single ticket.
Caught early, explained fast.
Spikes are flagged by volume and growth, then linked to a release, outage or switch fault.
Humans approve every money action.
The agent proposes. A person approves. It can never execute a reversal on its own.
Sources: CBN 2025 data as reported by Leadership and Prime Business Africa; to be confirmed against CBN publications.
Every channel, one feed.
Pidgin, Yoruba, Hausa, Igbo and English.
Detect, investigate,
decide, act.
Detect
Complaints are classified by issue, severity, sentiment and language. A category rising faster than normal triggers an alert.
Investigate
An agent matches complaints to transactions, then checks release and outage logs.
Decide
It states the likely cause with a confidence level and ranks by money at risk.
Act
It drafts the message and IT ticket. A person approves, and every step is logged.
Conflux HQ in practice
Built for every role
Agents, IT and management each get the view they need, from a customer-ready reply to the root cause and the cost exposure.
Incident trace
Every agent step is shown and logged. Low confidence is shown as low confidence, never hidden.
get_incident_stats()
212 failed-transfer complaints, USSD + app
search_transactions()
184 matched: debited, not credited
get_system_events()
Release v4.2.1 deployed at 10:00
draft_message()
Holding message + IT ticket ready
DRAFT HOLDING MESSAGE · AWAITING APPROVAL
We are aware some transfers made on USSD and the app did not complete. Your money is safe and any debit will be reversed. We will update you shortly.