Device DNA
Creates a unique digital fingerprint for every device, detecting emulators, cloned phones, or factory resets that traditional IDs miss.
AI Risk Engine
Paygilant 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.
Six signals in. One decision out.
Every interaction streams hundreds of signals across six Intelligence Sets. The engine fuses and scores them in milliseconds, then returns an instant, explainable decision.
Not static rules.
Intelligence that adapts.
Instead of relying on rigid rules or isolated signals, the Paygilant 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 Intelligence Sets, fused in real time.
Paygilant’s solution comprises six proprietary Intelligence Sets designed to distinguish legitimate from fraudulent activity - each observing and analyzing attributes throughout the user’s journey, before the transaction occurs.
User Space
Builds a virtual signature of each user’s environment, enabling frictionless authentication and detecting account takeovers instantly.
Activity Map
Profiles user navigation and interaction flow to identify unusual or inconsistent app behavior that signals potential fraud.
Bio Markers
Analyzes behavioral biometrics like touch, typing rhythm, and gestures to distinguish real users from bots, malware, or emulators.
App Insights
Correlates in-app behavior with external data to ensure the device, user, and profile align for secure, trusted access.
Transaction View
Analyzes spending patterns in real time with Paygilant’s patented behavioral maps to flag anomalies without disrupting users.
A checkpoint at every stage of the user journey.
From registration to cash-out, the Paygilant 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 Sets 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 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.
Real-time decisions in milliseconds
Six proprietary Intelligence Sets
Always-on continuous model retraining
Ready to Get Started?
See the Paygilant 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.