RiskOS · Risk & Fraud Prevention
Risk engine that scores, detects and blocks in real-time
Real-time risk scoring in < 50ms, AI/ML anomaly detection, configurable anti-fraud rules, continuous transaction monitoring, and automated PLD/FT regulatory reporting — all via API.
Risk Scoring< 50ms
PIX R$ 15.420
0.12
TED R$ 89.750
0.45
PIX R$ 247.000
0.91
Active Rules12 enforced
velocity_check> 5 PIX/min → block
amount_threshold> R$ 100K → review
geo_anomalynew city → challenge
device_fingerprintunknown device → MFA
Fraud Alerts2 active
txn.blocked
Velocity exceeded · 12stxn.flagged
Geo anomaly detected · 45spep.match
PEP list match · 2min< 50ms
Risk scoring
AI/ML
Anomaly detection
< 0.1%
False positive rate
PLD/FT
Automated reporting
Real-time
Transaction monitoring
PEP/Sanctions
Screening
Risk building blocks for fraud-free operations
Scoring & Detection
Risk ScoringReal-time < 50ms
Anomaly DetectionAI/ML
Device FingerprintHardware + behavior
Behavioral AnalyticsUsage patterns
Anti-fraud Rules
Rules EngineVelocity, amount, geo
Blocklist / AllowlistDynamic lists
Transaction MonitoringContinuous
Circuit BreakerAuto-block on fraud
PLD/FT & Compliance
PEP & SanctionsScreening
STR/COAFAutomated reporting
KYC/KYB RiskContinuous assessment
WatchlistReal-time monitoring
Every transaction scored before execution
RiskOS evaluates every API call in < 50ms. AI/ML models analyze behavioral patterns, device fingerprints, and transaction context. Rules engine enforces configurable policies, and every decision is logged for PLD/FT reporting.
Your PlatformTransaction events
PaymentsTransfersOnboardingLoginCards
RiskOS
AI/ML + Rules EngineScoring
< 50ms
Rules
Configurable
Screening
PEP/Sanctions
Monitoring
Real-time
Regulatory InfrastructureCOAF · BACEN · OFAC
COAF
BACEN
OFAC
EU Sanctions
PEP Lists
Full risk management, one API
From risk scoring to regulatory reporting — every fraud prevention operation accessible via REST endpoints.
Real-time risk scoring
Score any transaction in < 50ms. AI/ML models evaluate amount, velocity, device, and behavioral patterns.
Scoring — Request
1curl https://api.revenu.com/risk/score \2-u:prod_key \3-d transaction_id='txn_7xMn8kR5' \4-d amount=150000 \5-d device_id='dev_9pQr2sT4'▌
Response — 200 OK
{
"id": "rsk_3xMn8kR5",
"score": 0.12,
"level": "low",
"decision": "allow",
"latency_ms": 23,
"factors": "amount,velocity,device"
}▌
Everything you need, nothing you don't
Detection
AI/ML Scoring
Ensemble models trained on financial fraud patterns. Continuous learning from your transaction data.
Device Fingerprint
Hardware, browser, and network fingerprinting. Detect emulators, VPNs, and device spoofing.
Behavioral Analytics
Baseline user behavior and detect deviations. Typing patterns, navigation flow, and session analysis.
Continuous Monitoring
24/7 transaction monitoring with automatic escalation. Configurable alert thresholds per risk level.
Prevention
Rules Engine
Velocity, amount, geo, time-window, and custom conditions. Hot-deploy without code changes.
Blocklist / Allowlist
Dynamic lists by CPF, CNPJ, device, IP, or custom attribute. API-managed with instant propagation.
Circuit Breaker
Automatic account/device blocking when fraud patterns are detected. Auto-unblock after review.
Step-up Authentication
Trigger MFA, liveness check, or manual review based on risk score. Configurable per transaction type.
Developer
Full Sandbox
Test scoring, rules, and screening with simulated fraud patterns in production-identical environment.
Risk Dashboard
False positive rates, detection metrics, rule performance, and trend analysis via API.
Real-time Webhooks
Events for every risk decision: scored, flagged, blocked, reviewed, and cleared.
Native SDKs
Go, Node.js, Python, and Java. Mobile SDKs for device fingerprinting (iOS/Android).
Why RiskOS over legacy fraud tools?
Legacy
RiskOS
Risk scoring
Rule-based only
AI/ML + Rules < 50ms
Fraud detection
Post-hoc analysis
Real-time pre-transaction
Rule changes
Code deploy
Hot-deploy via API
PEP/Sanctions
Monthly batch check
Real-time continuous
False positive rate
5-10%
< 0.1%
PLD/FT
Manual reports
Automated STR/COAF
Case Study
“RiskOS reduced our fraud losses by 97% while cutting false positives from 8% to 0.08%. The AI scoring catches patterns our rule-based system never could. COAF reports are now fully automated.”
Head of Risk, PSP Theta
97%
Fraud reduction
0.08%
False positive rate
< 50ms
Scoring latency
Try RiskOS now
Score transactions, test anti-fraud rules, simulate screening, and explore risk analytics — all with pre-loaded fraud patterns in a production-identical sandbox.
Free sandboxSimulated fraud patternsNo credit card
Sandbox
Access the sandbox
Test credentials in minutes.
Free sandbox environment · No credit card
Regulated from day one
BACEN
ISO 27001
PCI DSS v4.0
LGPD
MED 2.0
ISO 20022
Start building today
Direct access to complete banking infrastructure: accounts, cards, payments and capital. Build your financial products on your terms, without unnecessary intermediaries.