How It Works
Every transaction. Five layers. One decision.
Transaction Risk Scoring
Real-time severity scoring on every transaction
Onboarding Risk Scoring
Intelligent merchant and payee vetting at signup
Transaction Monitoring
Rolling-window behavioral analysis in real time
Anomaly Detection
Pattern recognition for emerging threats
Graph Intelligence
Network mapping and relationship analysis
Deep Dive
Inside each layer.
Real-time risk assessment on every transaction
The TRS layer evaluates each transaction against a proportional severity model, scoring from 0 (no risk) to 1000 (critical). Two-tier reason codes provide both machine-readable classification and human-readable explanations for every decision.
Transaction Analysis
Intelligent vetting before a single dollar moves
The ORS layer evaluates every merchant and payee during onboarding. Identity verification, business validation, and risk profiling happen inline — not as a separate step. High-risk onboarding triggers enhanced due diligence automatically.
Onboarding Assessment
Behavioral analysis that catches what static rules miss
The TM layer uses rolling-window analysis to track behavioral patterns over time. Instead of simple threshold rules, it builds behavioral baselines for each payee and flags deviations. Redis-backed state management ensures real-time performance at scale.
Behavioral Monitor
Pattern recognition that evolves
The AD layer identifies emerging threats that no predefined rule would catch. It learns what normal looks like for each merchant's transaction patterns and flags statistical outliers. Critical anomalies trigger automatic re-evaluation through the ORS layer.
Anomaly Flagged
Network mapping that reveals hidden relationships
The GI layer maps relationships between payees, merchants, and transaction patterns. It identifies coordinated risk — multiple apparently unrelated entities that share hidden connections. This is the layer that catches what individual transaction analysis cannot.
Network Analysis
Scoring
Proportional severity.
Not binary decisions.
Most fraud detection systems make binary decisions: approve or block. The Anton Engine scores every transaction on a 0-1000 scale, giving platforms the granularity to set their own risk thresholds.
0 — 300
Low Risk
Auto-approve. Standard processing path with full audit trail.
301 ��� 700
Elevated
Enhanced monitoring active. Optional manual review at platform discretion.
701 — 1000
Critical
Auto-block or mandatory review. ORS re-evaluation triggered automatically.
Two-tier reason codes
Every score comes with a machine-readable classification code and a human-readable explanation. Your team sees context. Your systems see structure.
See the Anton Engine in action.
Anton Payments is currently in early access. Request an invitation to be among the first platforms to integrate.