Built for how your institution operates.
The fraud problem looks different from inside a bank, a fintech, and an enterprise group. The platform is the same; the fit is not. Loci adapts to your rails, your data, and your governance instead of forcing a vendor schema.
Modernize monitoring without touching the core.
Loci sits alongside your core banking and payment systems, scoring transactions in real time and explaining every decision. When the examiner asks why a transaction was cleared or blocked, the answer is already written down.
- Sub-second scoring beside existing rails, not inside them
- Every decision decomposes into named signals and evidence
- Maker-checker review with an append-only audit timeline
- Optional AML screening and behavioral modules, adopted in stages
Q: Why was TX900000600144 flagged on 14 May?
A: decision: review · fraud_score 47/100
triggered: LIFECYCLE_COMPOSITE_001 (+9.65)
triggered: High Amount Withdrawal (+6.95)
model version: v14 · approved by j.okafor
case: CASE-20481 · closed: false positive
reviewer: a.bello · full timeline attached
Grow fast without growing losses.
An API-first platform your engineers integrate in a sprint, and your two-person risk team actually operates. Shadow-test every control before it touches customers, and spend friction only where risk is real, so fraud control never becomes the reason conversion drops.
- One API call per event; low-latency decisioning
- Controls authored in plain language, no engineering ticket
- Shadow mode measures false positives before going live
- Behavioral signals catch account takeover without blanket step-ups
curl -X POST https://api.runloci.com/v1/transactions \
-H "Authorization: Bearer $LOCI_KEY" \
-d '{ "transaction_id": "TX-1042",
"amount": 8450.00, "currency": "USD", … }'
# 38ms later
{ "decision": "approve", "fraud_score": 8,
"explanations": […] }
One governed view across products and geographies.
Payment groups, multi-brand fintechs, and processors get a single control layer over every business unit, with strict tenant isolation between them. Deploy as SaaS today; move to private cloud or on-premise when data residency requires it.
- Strict multi-tenant isolation per organization and unit
- SaaS, private cloud, or on-premise deployment paths
- Per-tenant models, thresholds, and governance policies
- Custom implementation and dedicated support
org: group-holdings
├─ tenant: retail-bank models: 34 · isolated
├─ tenant: wallet-app models: 21 · isolated
├─ tenant: merchant-acq models: 18 · isolated
└─ tenant: lending models: 12 · isolated
governance: group-level visibility,
tenant-level control, zero data crossover
Tell us how you operate. We'll show you the fit.
A 30-minute conversation about your rails, your typologies, and where explainable fraud control slots in.