Insights · Keshio
Subiri: wait before you read the code
Subiri is a free Android opt-in. When a verification code arrives during a call, Keshio interrupts so you pause before reading it out.
The overlap
Banks already text people not to share a code. That text arrives on a calm day. The theft happens when two things are true at once: a verification code has just landed, and someone is already on the phone explaining what it is for.
Subiri is Keshio’s name for the pause at that moment. It means “wait.”
What it does
Subiri is free, on every plan, and off until you turn it on. It is Android only.
When a code from a listed sender arrives during a call:
- The screen is covered and the phone vibrates three short pulses.
- Subiri does not show the digits. The SMS still arrives in your messages. Keshio is not the default SMS app, so it cannot hide that text.
- It asks whether they called you, or you called them. Neither answer clears the warning. Both lead to the same next step: hang up, then call the institution yourself.
- If we have checked a phone line for that sender, the card can open your dialer with that number. Subiri never places the call, and it never uses a number written in the SMS.
A payment receipt is not a code. A code that arrives when no call is active does not raise the full warning.
How to turn it on
Open More or Settings and turn on Subiri. The app asks for SMS access so it can notice a code arriving, and for notifications so the warning can show. Turning Subiri on does not start a ledger import.
What leaves the phone
While Subiri is on, Keshio sends the action you took and the sender id: that a warning was shown, which answer you tapped, whether you called to verify or reported a scam, the time, the app version, and an anonymous install id.
It does not send the code, the message, your phone number, or the call. The call is not recorded. The install id is not your Google account. The full account is in the Privacy Policy.
What it cannot do
Some internet calls are missed. Subiri is an interruption, not a lock. A person on the phone can still tell you to open your messages. The point is to break that script for a moment, while the call is still in your ear.
Banks, saccos and telcos: put the warning first. The platform-level proposal is in The Call and the Code.