Technology

Built to prove fraud.
Not predict it.

Why the Certainty Engine

"Fraud detection has been a guessing game for twenty years.
We turned it into a formal mathematical proof." Our founder

Fraudsters adapt in hours. Legacy systems adapt in quarters.

The Certainty Engine analyzes behavioral sequences in real time and returns a mathematical decision. Not a probability score. Not a black-box output. Verifiable truth.

Zero-latency enforcement. We neutralize high-velocity attacks without introducing friction to legitimate user flow. Detects in real time. Keeps legitimate users moving.

Maximum accuracy. Real-time processing. No GPUs.

See the Proof Run it on my traffic free →

We evolve faster than fraudsters can adapt.

Mathematical Proof

Every decision includes a complete audit trail. Not a score. Not a summary. A proof your regulator can actually use.

One API Call
Sub-30ms Response

Faster than fraud can move. High-velocity protection for high-volume environments. Zero latency tax.

10,000+ RPS
Evolves Automatically

No manual rule updates. No human intervention. When new fraud patterns emerge, the system retrains and deploys itself.

Never Static
Key Features

The numbers we publish. The numbers we prove.

90%+
F1-Score
vs. 60–70% rule-based
92%
Precision
Industry-leading
89%
Recall
Comprehensive capture
<30ms
Inference
Ultra-low latency
Model lifecycle

Autonomous Model Evolution

Continuous CI/CD feedback loops. When new patterns emerge, the engine retrains and redeploys itself. Zero human intervention. Zero downtime.

Data Collection
→
Model Retraining
→
Deployment
The Science

The Science Behind It: VLS-Markov

The math that makes it work.

"The score is the same. What's behind it isn't."

The industry
Rule-based systems score on static thresholds. They're brittle and easy to game.

Most ML systems score based on isolated data points: this transaction, this device, this IP. They're better, but they're still looking at snapshots. One signal at a time. No memory of what came before.
What we do
Legacy ML treats every transaction as an isolated snapshot. It has no memory. The Certainty Engine models the “rhythmic signature” of human behavioral sequences. We don’t ask if an event is suspicious; we ask if the sequence is mathematically impossible for that user. When the rhythm breaks, the fraud is exposed.*
94.1%
TPR, surpassed the SA-HMM global benchmark
10⁹ fewer
Eliminate the “NVIDIA tax.” Our CPU-native architecture handles 10,000+ RPS on standard infrastructure, slashing operational overhead while maintaining sub-30ms inference.
1 call
Returns score plus mathematical proof. Simultaneously.
* Barseghyan, G., Yuan, Y., and Anakpa, M., “Model for Detection of Masquerade Attacks Based on Variable-Length Sequences,” IEEE Access, vol. 8, pp. 210140–210157, 2020, doi: 10.1109/ACCESS.2020.3039166.
Implementation

Four Steps to Fraud-Free Operations

One endpoint. That's it. Drop it into your stack. Send transaction data, receive a complete decision with mathematical proof in under 30ms.

01
Connect

Send transaction context in one payload. One API call. No SDKs to learn. Start sending events in minutes.*

POST /api/v1/score
02
Score

Every event returns a full decision, reasoning trace, and audit trail in under 30ms. Not a score. A proof.

risk_score: 0.23
03
Decide

Block, flag, or pass based on your risk appetite. Every decision comes with the full mathematical reasoning behind it.

action: "approve"
04
Iterate

CI/CD feedback loop. The model improves with every decision. Zero human intervention required. Always getting sharper.

feedback_loop: active

* Input includes timestamp, amount, IP, device fingerprint and more. Exact field list provided on request.

Easy Integration: RESTful API with full documentation
SDKs Available: Python, Node.js, Java, PHP, Go

Every stage. One proof.

Coverage

Full journey protection.

Fraud doesn't happen at one moment. Deterministic logic protects every stage of the customer journey, from first account creation to re-engagement.

One model. One API call. Every stage.

Account Creation
  • ·Detect synthetic identities
  • ·Flag suspicious email patterns
  • ·Validate device reputation
Identity Verification
  • ·Synthetic identity signals
  • ·Device, IP & behavioral mismatches
  • ·Fabricated profiles at onboarding
Login & Activity
  • ·Behavioral sequence analysis
  • ·Session anomaly detection
  • ·Device fingerprinting
Transactions
  • ·Real-time risk scoring
  • ·Velocity checks
  • ·Merchant pattern analysis
Exit / Offboarding
  • ·Account closure fraud
  • ·Fund withdrawal checks
  • ·Data exfiltration detection
Post-Transaction
  • ·Chargeback prediction
  • ·Refund fraud detection
  • ·Pattern evolution tracking
Re-engagement
  • ·Dormant account alerts
  • ·Campaign fraud prevention
  • ·Incentive abuse detection
Dispute & Compliance
  • ·Regulator-ready audit trails
  • ·Full decision reasoning trace
  • ·Dispute documentation export
API

One call. Mathematical rigor.

Everything you need in a single JSON payload. Decision, reasoning trace, audit trail, and regulator-ready proof. All returned in under 30ms.

REST API: JSON in, proof out
Send any behavioral event. Receive a complete decision with mathematical reasoning in under 30ms.
Auto-generated audit trail
Every decision includes full behavioral sequence, deviation point, pattern match, and probability score. Regulator-ready out of the box.
10,000+ requests per second
CPU-native. O(n) linear scaling. No GPU farm required. No NVIDIA tax. Cost curve looks very different.
CI/CD feedback loop
The model improves with every confirmed fraud event. Zero manual retraining. Always getting sharper. Automatically. The model never stops learning. Neither do we.
REQUEST · JSON
// Single API call — returns full proof POST https://api.significantrust.com/v1/score { "event_type": "login", "session_id": "ses_8f2a91bc", "user_id": "usr_4471", "timestamp": 1741872000, "device_fingerprint": "d8f3a...", "ip": "192.168.1.1", "behavioral_sequence": [...] } // Response — <30ms { "decision": "BLOCK", "certainty_score": 99.97, "pattern_match": "account_takeover", "sequence_probability": "p < 0.0003", "false_positive_risk": "<8%", "audit_trail": "generated", "regulator_ready": true, "response_ms": 28 }
Get Started

The math is ready.
Are you?

Start with 1,000 free events. No credit card. No commitment. See your actual false positive rate before a single conversation with sales.

Run it on my traffic free → Schedule a 30-min demo →