Onboarding
Applications for deposit accounts, business services and loans. Ready-to-run Grayson recipes with real responses, cost and latency.
| Recipe | Decides | Cost per 1,000 decisions | Latency (US-West) |
|---|---|---|---|
| Detect account opening fraud and synthetic identities | Approve, step up or decline a deposit account application at risk of stolen or synthetic identity fraud. | $0.39 to $0.41 | 194 to 203 ms |
| Review business onboarding (KYB) applications | Approve, approve with limits, request documents or decline a business applying for card processing or another business product. | $0.34 to $0.60 | 190 to 231 ms |
| Screen loan applications for fraud before the credit decision | Screen a loan application for fraud and misrepresentation, and choose proceed, verify income, verify identity or decline. | $0.45 to $0.59 | 236 to 302 ms |
Each recipe has three examples with a realistic, detailed state: one with obvious fraud signals, one that is very likely legitimate, and one that is ambiguous. Cost is for those requests at $0.035 per million input tokens. Latency is the median of several calls of each through api.finic.ai from US-West; add your own network time from elsewhere.
See every category on the Recipes page.
Scam payments
Grayson screens a customer's outgoing Faster Payment for authorised push payment scams, names the likely scam type and picks release, warn, hold and call, or block, before the money leaves.
Account opening fraud
Grayson approves, steps up or declines a deposit account application, weighing identity-vendor results, the credit file, consortium, device and session data, and the funding account's history.