◆ Always-on Specialist
Sits on the authorization path and decides, in milliseconds, whether to approve, step-up, or block, balancing fraud loss against false declines of legitimate spend. Emits a plain-language rationale for every block, retained for audit.
Memory
Working The transaction + the cardholder's live session signals.
Episodic The cardholder's spend pattern and prior fraud events.
Semantic Current fraud typologies and scam scripts.
Store Feature store + behavioural profiles
Orchestration
MCP
Harness · Managed Agents … ultra-low-latency loop; async rationale generation.
Tools
{ } Authorization stream API { } Device + behavioural signals API { } Customer step-up (push/SMS) API
Evals & guardrails
- Continuous false-decline rate monitoring … over-blocking is a tracked harm.
- Champion/challenger on every model update; shadow-scored before promotion.
- Fairness checks across customer segments.
Frontier edge
- ▲On-device/edge inference: the scoring head runs at the authorization node in single-digit milliseconds, so the approve/step-up/block call never leaves the payment edge.
- ▲Counterfactual decisioning: scores 'is this loss-prevention worth declining a real customer at the till?' against a live elasticity model, not a static rule, to hold false-declines down.
- ▲Self-improving fleet: confirmed scam scripts learned at one edge node propagate to the whole population overnight via an eval-gated update, never a hot self-edit on the auth path.
In numbers
8,500
Auth decisions / sec
−34%
Fraud loss vs. baseline
0.6%
False-decline rate
Handoffs
Hands to → Dispute & Chargeback Agent