Device DNA
Identify devices with precision — even when fraudsters attempt to mask, spoof, or manipulate them.
AI Risk Engine
Adaptive Risk Engine
The real-time AI core of Paygilant — evaluating every user action across behavior, device, and context to deliver instant, intelligent fraud decisions in milliseconds.
Not static rules.
Intelligence that adapts.
Instead of relying on rigid rules or isolated signals, the Adaptive Risk Engine continuously analyzes behavior, context, and intent — adapting in real time to evolving threats.
From onboarding to login, profile changes, and transactions, every interaction becomes a checkpoint analyzed in milliseconds — ensuring fraud is detected before it impacts your business.
Six dimensions of intelligence, fused in real time.
The engine correlates hundreds of signals across six intelligence dimensions — building a living, contextual picture of every user, device, and interaction.
User Space
Understand the user’s environment and behavior to distinguish trusted users from suspicious ones.
Activity Map
Track how users interact with your application and detect abnormal flows or patterns.
Biomarkers
Analyze behavioral biometrics to differentiate real users from bots and automated attacks.
App Insights
Validate consistency between user identity, device, and application data.
Transaction View
Monitor transaction behavior to detect anomalies in amount, velocity, and intent.
A checkpoint at every stage of the user journey.
From registration to cash-out, the Adaptive Risk Engine turns every interaction into a real-time decision point — five steps that repeat on every action.
- 01
Capture
Every user action — onboarding, login, profile change, or transaction — streams hundreds of behavioral, device, and contextual signals into the engine.
- 02
Correlate
Signals are fused across the six intelligence dimensions and connected across sessions, devices, and channels to reveal the true story behind each interaction.
- 03
Score
Machine-learning models weigh behavior, context, and intent to produce a real-time risk score in under 50 milliseconds — no static rules required.
- 04
Decide
The engine returns an instant, explainable decision — approve, challenge, or block — so fraud is stopped before money moves, with minimal friction for good users.
- 05
Adapt
Models continuously retrain on new outcomes, so detection sharpens automatically as fraud patterns evolve — without manual rule maintenance.
Sub-50ms decision latency
500+ risk signals analyzed
24/7 continuous model retraining
Ready to Get Started?
See the Adaptive Risk Engine in Action
Give every user action an instant, intelligent decision. Talk to our experts about deploying Paygilant’s real-time risk engine across your digital journey.