The charges that hurt most are the ones you notice too late. Qoyla catches a risky transfer, decodes a confusing charge, and spots an unusual pattern before it costs you, explains it in plain words, and proposes the fix. You approve; your institution acts.
The protection toolkit
One tap pauses a card instantly. Unfreeze just as fast when it really was you.
Qoyla drafts the dispute, attaches the evidence, and tracks it to resolution.
That cryptic merchant name? Decoded into who, where and why, in seconds.
Face or fingerprint gates sensitive actions. Sessions expire; nothing lingers.
Verified, not alarmist
Protection won't cry wolf. Each flag tells you exactly what tripped it, location mismatch, new merchant, amount spike, so you can decide with the full picture, not a vague red banner.
Why this charge was flagged