Solution · Payments
Runtime verification for every payments AI decision.
Payments CPOs are replacing rigid rules engines with LLMs across AML, KYC, sanctions, fraud, disputes, and credit decisioning — but every module hits the same wall: regulators require explainable, auditable, independently-validated decisions, and no LLM-era tooling delivers that at runtime. TBV is the payments-native runtime verification layer that sits behind every LLM decision module.
One verifier. Every payments module. Every regulator.
33
Decisions verified (demo window)
4
Divergent wins · TBV caught primary AI miss
11
Blocked at runtime
4
Routed to human review
Modules
Six payments verification modules, one shared verifier engine, one regulator-ready audit trail. Click any module to see its live stream.
| Module | Primary LLM does | TBV verifies against | Regulator | Live activity |
|---|---|---|---|---|
| AML / Transaction Monitoring api/payments/aml/* | Structuring, layering, typology calls | FATF + FinCEN typologies, SR 11-7 model validation | FinCEN · FATF | 7 total 1 divergent win |
| KYC / Onboarding api/payments/kyc/* | Doc extraction, PEP disambiguation | Source doc re-extraction, sanctions-list provenance | FinCEN · FCA · EBA | 7 total 1 divergent win |
| Sanctions Screening api/payments/sanctions/* | Name-match judgments | OFAC 50%-rule reasoning, disambiguation trail | OFAC · OFSI | 7 total 1 divergent win |
| Fraud / ATO api/payments/fraud/* | Real-time risk scoring | Reg E + ECOA adverse-action explainability | CFPB · card networks | 7 total 1 divergent win |
| Disputes / Chargebacks api/payments/disputes/* | Evidence synthesis | Reg E, card-network rule grounding | CFPB · Visa / MC / Amex | 5 total |
| Credit / BNPL Decisioning api/payments/credit/* | Approve-decline + reason codes | ECOA / fair-lending disparate-impact check | CFPB · OCC | 0 total |
Why TBV, not a horizontal AI-governance tool
- Typology-grounded reasoning. Verifiers primed on FATF typologies, FinCEN advisories, OFAC guidance, card-network dispute rules, ECOA reason-code taxonomies — not generic content policy.
- Source-of-truth re-reasoning. Verifier returns to raw transaction graph, KYC document images, sanctions lists, dispute evidence — not the primary LLM's summary. Breaks the "LLM critiquing LLM" circularity.
- SR 11-7 positioning. US banking regulators require independent model validation. Today: offline, periodic, human-driven. Non-deterministic LLMs break that. TBV = continuous, runtime, automated independent validation.
- Regulator-ready output. Verdicts map to SAR narrative structure, model-validation reports, ECOA adverse-action notices, dispute representment packets. The CCO signs off on TBV output, not the primary LLM's.