Stop scams and elder exploitation before money leaves.

Adalma, Inc. builds fraud and financial crime software for US credit unions and community banks, to stop scams and elder exploitation before money leaves. It is based in Fremont, California, and was founded in 2026 by Vivek Raghunathan.

Cernio runs one check before money leaves. It checks a payment and its payee against scam and sanctions signals and the member’s own history, including a new payee or a new power of attorney or joint owner, and answers release, hold or call the member, with the evidence attached. After a hold, the member conversation, the case record, state hold-law guidance and a SAR draft for a person to review and file all stay in Cernio. Cernio records every signal used in a decision, with its source and what it may be used for.

Cura is the call: a member-voice and collections agent that checks TCPA, Reg F and FDCPA rules before every call and hands scam reports to the fraud team. Tessra is the governance layer. It sits in front of every model call to apply policy, strip PII, enforce spend limits and write a tamper-evident audit trail.

Every product deploys single-tenant, in the institution’s own cloud where required, and nothing trains on member data. Every decision is written to a hash-chained, append-only record that an examiner can verify.