PayPal Sandbox: real API calls

Ghost Enrolments
Evaporate. Instantly.

AI spend-authority for NHIA healthcare claims. Fraud is detected and frozen before a single PayPal payout fires — in milliseconds.

⚡ Try Live Demo📊 View Evidence
23K
Ghost Enrollees Expelled
28–35%
Claims Fraudulent (E. Africa)
90%
Nigerians Lack Coverage
~2.5s
Claim to PayPal order + payout submitted (measured, incl. AI)
Live Sandbox Demo

Run a Claim. Watch Fraud Evaporate.

Real PayPal API calls. Every approved claim creates a live order ID and payout batch you can verify at developer.paypal.com.

Submit & Adjudicate Claim
Input claim details manually or load a sample record. The engine will evaluate all fraud vectors and determine spend-authority.
Quick-Load Patient Records(Input details to reveal resultant scenario)
✓ Valid 11-digit NIMC standard (Nigeria)
Official NHIA / HMO registration syntax
Statutory Base Tariff: $90
✓ Within permissible 1.5× tariff limit
Direct PayPal recipient for instant disbursement
AI audit: notes that contradict an approved claim escalate it to review. The AI can never approve or unfreeze a claim.
Ready for Claim AdjudicationEnter claim figures on the left and click "Run Fraud Check + PayPal". The engine evaluates 7 fraud rules, diagnoses the resultant scenario, and controls PayPal spend-authority.
Architecture

Zero-trust. Zero wasted payouts.

Three stages — every claim must pass fraud analysis before PayPal is ever contacted.

📋
Step 01
Claim Submitted

Hospital submits claim with NIN, NHIA ID, procedure code, and amount via POST /api/claim.

🔍
Step 02
Fraud Gate + AI Auditor

7 deterministic fraud signals decide first. An AI audit of the clinical notes can only escalate a claim to review, never approve one, and an LLM explains each decision in plain English.

💸
Step 03
PayPal Order + Payout, or Frozen

APPROVED claims trigger a real PayPal order + payout batch. FROZEN claims never reach PayPal — zero wasted API calls, zero leaked funds.

Detection Engine

7 Fraud Signals. Deterministic. Fast.

GHOST_ENROLLEECritical
Patient not in active NHIA registry
INVALID_NIN_FORMATCritical
NIN fails strict 11-digit NIMC standard
MISSING_NINCritical
No National ID provided
FALSIFIED_CSECTIONCritical
C-Section billed above $500 cap
UPCODINGHigh
Normal Delivery ≥ $400
AMOUNT_EXCEEDS_TARIFFHigh
Billed > 1.5× NHIA tariff
INVALID_NHIA_FORMATMedium
ID doesn't match official NHIA/HMO format
DUPLICATE_CLAIMPlanned
Same claim submitted twice
PHANTOM_BILLINGPlanned
Service not on approved list
Sourced Evidence

The Crisis Is Real. The Data Proves It.

90%
Nigerians lack health insurance
📰 Punch / HCPAN ↗
10%
Covered by health insurance nationally
📰 BusinessDay ↗
22M+
Nigerians now on health insurance (+35%)
📰 Vanguard ↗
75%
Health spending is out-of-pocket
📰 Nairametrics ↗
Legal
Healthcare fraud and abuse deep-dive
📰 BarristerNG ↗
23K
Ghost enrollees expelled by NHIS in 3 months
📰 Punch ↗
28–35%
Medical claims fraudulent in East Africa
📰 Standard Media ↗
📑 Audited Benchmark: measured-live.json
3 audited live test takes recording decision, flags, millisecond latency, and live paypal_debug_id.
📥 Open measured-live.json ↗
PayPal Integration

Built on PayPal's Full API Surface

📦
Orders v2
/v2/checkout/orders
💸
Payouts v1
/v1/payments/payouts
🔑
OAuth2 Token
/v1/oauth2/token
🧠
Gemini API
AI decision explainer