This study explores the escalating threat of fraud within digital financial ecosystems and proposes a behaviorally grounded, user-centric model for proactive fraud awareness in FinTech. Departing from conventional approaches that emphasize post-breach detection, this study advances a four-tier framework. It encompasses identity integrity, behavioral manipulation, infrastructure exploitation, and compliance evasion. That eventually analyzes and categorizes emerging fraud typologies. At the core of the framework is the proposed TASAD application. A first-of-its-kind solution tailored to address the fintech fraud literacy. TASAD reimagines fraud mitigation by embedding user awareness, cognitive training, adaptive risk scoring, and real-time learning into everyday digital finance interactions. The research output aligns with key national objectives under Saudi Vision 2030 and supports four Sustainable Development Goals. These SDGs call for security, education, economic participation, and institutional trust. The paper outlines TASAD architecture, core features, and user dashboard to frame FinTech fraud as both a technological and behavioral challenge. The research also signals national investment in fraud literacy as a core part of financial security.