Riskernel - Technical One-Pager

Riskernel scores transactions in real time and returns explainable fraud decisions through a single API call. Every decision comes with weighted signals your ops and compliance teams can read, audit, and act on. No black boxes. No batch delays.

API

Request

      POST /v1/score
{
  "amount": 4200.00,
  "currency": "USD",
  "ip_country": "NG",
  "card_country": "US",
  "merchant_category": "gaming",
  "velocity_5min": 3,
  "is_first_in_category": true
}
    

Response (47ms)

{
  "risk_score": 87,
  "risk_level": "HIGH",
  "action": "BLOCK",
  "explanation": [
    {"signal": "IP mismatch",
     "weight": 0.35,
     "detail": "NG origin, US card"},
    {"signal": "Amount spike",
     "weight": 0.28,
     "detail": "4.2x above avg"},
    {"signal": "Velocity",
     "weight": 0.22,
     "detail": "3 txns in 5 min"},
    {"signal": "New category",
     "weight": 0.15,
     "detail": "First in gaming"}
  ]
}
    

Why Explainability Changes Everything

For Ops teams: Trust automated decisions. Review only edge cases. Override rates drop because the reasoning is visible.

For Compliance: Every decision is audit-ready. Weighted signals map directly to regulatory documentation requirements.

For Merchants: When a transaction is blocked, they see exactly why. Disputes and escalations decrease.

Integration Path

Shadow Mode

Run Riskernel in parallel with your current stack. Compare decisions. Zero production risk. Free.

Evaluate

Review accuracy, false positive rates, and override reduction after 2-4 weeks of live data.

Production

Single API call in your transaction flow. Configurable thresholds per corridor. No replatforming.

Built For

Payment processors and acquirers (CNP, card-present, ACH) • Real-time disbursements and push-to-card • BNPL and lending at checkout • Crypto-fiat conversion and AML-sensitive flows • Multi-corridor and cross-border payments • Fraud guarantee and chargeback-liable platforms

What's Next

Fraud Exposure Graph -- Map your entire fraud surface: exploitable flows, payout corridors, onboarding gaps. Scored by blast radius.

Decision Provenance -- Every fraud decision backed by auditable evidence chains. Built for regulators and dispute resolution.

Remediation Language -- Deterministic response actions (quarantine, step-up, hold) instead of open-ended AI decisions. Safe, auditable automation.