Who would pay

Online merchants and platform operators willing to pay for secure payments.

Current workarounds

Even if own system is secure, existing payment platforms lack sufficient fraud control and customer support, causing major financial losses.

MVP idea

Develop payment platforms or value-added services with stronger fraud detection and user support to reduce merchant losses.

How to validate

Needs can be validated by collecting cases of victims and investigating merchant losses; main risk is payment platform resisting cooperation.