Stop fraud in real-time with graph intelligence
Loci is a fraud defense engine powered by the Fraud Language Model (FLM). It combines the clarity of rules with the nuance of models — detecting threats in real-time, cutting false positives, and meeting regulatory demands at scale
Real-Time Decision Flow
Built for modern fraud teams
Everything you need to detect, prevent, and investigate fraud at scale, without compromising on speed or accuracy.
MADIE Decision Engine
High-performance core processes complex rules in less than a second. Graph-based execution ensures efficient, ordered processing.
Auto-Grapher AI
Automatically discovers hidden fraud patterns from your historical data, ranking them by precision and recall to suggest new rules.
No-Code Model Builder
Convert natural language descriptions into production-ready rules. Visual DAG editor with iterative self-correction ensures high reliability.
How Loci Works
From transaction to decision in three simple, powerful steps.
Ingest & Enrich
Connect via API or Kafka. Automatically calculate z-scores, velocity, and temporal features in real-time.
Evaluate & Decide
MADIE engine processes rules as DAGs, executing complex logic for sub-second decisions.
Learn & Adapt
Auto-Grapher continuously mines patterns, suggests new rules, and adapts to emerging fraud tactics.
Developer-First API
Integrate Loci's powerful decision engine with a single, straightforward API call. Get rich, explainable fraud scores in real-time. Our clear documentation and simple data structure mean you can go live in hours, not weeks.
Read API Docs{
"transaction_id": "TX900000600144",
"entity_id": "E00018",
"amount": 1560.00,
"currency": "NGN",
"source_account_number": "1231231231",
"beneficiary_account_number": "7100000006",
...
}{
"success": true,
"decision": "review",
"fraud_score": 20,
"explanations": [
{
"rule": "LIFECYCLE_COMPOSITE_001",
"triggered": true,
"contribution": 9.65,
"reason": "Lifecycle anomaly detected."
},
{
"rule": "High Amount Withdrawal Check",
"triggered": true,
"contribution": 6.95,
"reason": "Amount is suspiciously high."
}
],
...
}Start detecting fraud in real-time
Join leading financial institutions using Loci to protect millions in transactions.