Research · Patents

The IP behind the platform.

GRAVITY is built on original research at the intersection of banking-domain logic, deep-tech, and AI. Two patents are filed from our DTBX Labs, with further innovations in active research.

Filed PatentsFull technical papers are available to institutions on request.
Payments · Payment Hub XPatent Filed

AI-Powered Smart Transaction Routing

Best Available Payment System

A predictive engine that identifies the best available payment system for every digital transaction in real time and routes to it — driving near-zero declines. A static module filters systems and predicts downtime, while a dynamic module scores each system's success probability using time- and event-based features refreshed through an adaptive time-decay feedback loop.

Static + dynamic routing modules
Random-forest success scoring
Adaptive time-decay feedback loop
+5–6% transaction success rate
Smart Transaction RoutingBest Available Payment SystemML pipelineFeedback loop
HD

Harshal Doshi · Inventor

DTBX Innovate India Pvt Ltd · DTBX Labs

Infrastructure · Payment HubPatent Filed

AI-Powered Time-out Governance

for Core Transaction Systems

An AI-driven governance layer between a high-TPS payment switch and a lower-TPS core banking system. It monitors core response times across three zones — Ideal, Warning, and Eviction — and dynamically tunes queueing and thread counts to shield the core from volume spikes and prevent overload-induced failures.

Three-zone response-time governance
Dynamic thread & queue control
Protects lower-TPS core from spikes
Real-time response-time monitor
Timeout GovernanceCBSResponse TimeTPSQueue Management
HD

Harshal Doshi · Inventor

DTBX Innovate India Pvt Ltd · DTBX Labs

Active research areas

Innovations in progress across the platform — protecting the next wave of governed, agentic banking.

AI Gateway

Governed natural-language access to core banking — turning conversations into auditable transactions.

AgPA

Agentic process automation for autonomous, end-to-end regulated workflows.

DPDP / ARIA

Consent-aware data governance and continuous audit-trail automation.

StatementOS

AI-native transformation of statements into an intelligent, queryable interface.

Enabling regulated innovation at speed

Lead the autonomous financial services landscape of tomorrow.

See how GRAVITY orchestrates your cores, channels, partners, and regulators into one intelligent platform.

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