Fraud control across access and transactions
Loci combines real-time transaction monitoring with continuous session, device, location, and behavioral risk signals, giving fraud teams one operating layer to detect risk earlier, route investigations faster, and explain every decision.
Real-Time Decision Flow
Built for the full fraud-control journey
Connect access signals, transaction behavior, control logic, and investigation evidence in one operating layer.
Unified Risk Signals
Bring transactions, sessions, devices, locations, and behavioral signals into one view of customer risk.
Real-Time Explainable Decisions
Evaluate multi-signal controls in real time and return decisions, scores, triggered logic, and clear evidence.
Governed Control Lifecycle
Discover patterns, design explainable controls, test them safely, and give analysts the evidence to act.
How Loci Works
From customer activity to governed decisioning in a practical operating loop.
Ingest & Contextualize
Send transaction, session, device, and behavioral events through API integrations, with support for custom fields, reference tables, and historical context.
Evaluate & Explain
MADIE evaluates active controls and returns a decision, score, triggered logic, and evidence for review or action.
Test & Improve
Use inactive control testing, analyst feedback, and pattern discovery to refine controls before they affect live operations.
API-first integration
Submit transaction and event payloads, connect session and behavioral risk signals, and receive real-time decisions with the evidence needed for action and review.
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."
}
],
...
}Unify fraud signals before losses move
Bring transactions, sessions, devices, and behavior into one explainable control layer that helps teams detect risk earlier and act with confidence.