Introduction
Finic gives calibrated decisions and risk scores for fraud and risk, calibrated to your own fraud rates. Two endpoints, score and decide.
Finic gives you calibrated decisions and scores for fraud and risk: payments, sign-ups, logins, applications, alerts, disputes. Every answer is a probability you can act on: a score of 250 means about a 25% chance the outcome is bad.
What makes Finic different is that its answers are calibrated to your company's actual fraud distribution, not a generic one. A score is built from your own labeled outcomes and recalibrated as you send more. A decision can carry your base rate, and its probabilities shift to match it.
Finic runs on two endpoints:
| Endpoint | Use it to | Price |
|---|---|---|
POST /v1/score | Rate the risk of a record, from 0 to 1000, with a score built from your own past outcomes | Usually under $0.0001 |
POST /v1/decide | Ask your own questions about a case and get a calibrated probability for each answer. Works out of the box | About $0.0002 for a 5,000-token case |
Score a payment
Create a score once from 100+ past payments labeled is_bad. Then score each new one:
{
"model_id": "scm_01M4XRC000RT2GZSKYPD8J86G9",
"score_id": "pay_88213",
"data": { "amount_usd": 1850.0, "merchant_category": "electronics", "account_age_days": 6, "new_device": true, "billing_country": "US", "ip_country": "RO" }
}{ "model_id": "scm_01M4XRC000RT2GZSKYPD8J86G9", "score_id": "pay_88213", "score": 874, "request_id": "req_01M4YF1068X8B4C458ENPD4JHT" }About an 87% chance of a chargeback: decline it. Send the outcomes you learn to calibrate the score.
Decide on an alert
Send the case and your questions, with how often the answer is yes in your cases:
{
"model": "grayson-1",
"data": {
"events": [
{ "ts": "2026-09-20T02:14:09Z", "type": "login", "new_device": true },
{ "ts": "2026-09-20T02:16:40Z", "type": "email_change" },
{ "ts": "2026-09-20T02:21:03Z", "type": "ach_out", "amount_usd": 4900.0 }
]
},
"context": "Customer called 9/21: never changed their email, doesn't recognize the transfer.",
"questions": {
"ato": { "type": "noul", "instructions": "Is this account takeover?", "base_rate": 0.02 }
}
}"answers": { "ato": { "type": "noul", "noul": 0.91, "calibrated": true } }A 91% chance of account takeover, on your 2% base rate: hold the transfer.
Decisions are made by Grayson, Finic's decision model. Base URL: https://api.finic.ai.
Start here
Developer quickstart
Make a decision, then create a score and use it, with curl or Python.
Agent quickstart
Add Finic to Claude, ChatGPT, Cursor or any MCP client, and let your agent set it up.
Pricing
$0.035 per million input tokens, for decisions and scores. Creating and calibrating scores is free.
Calibration
How scores and decisions match your own fraud rates.