Pre-transaction risk control for financial and high-velocity platforms.
Observe-first, on-premise. See weak fraud signals earlier — before onboarding, payment, or payout workflows create irreversible exposure.
Most controls decide after the request already cost you something.
Onboarding, payment, and payout logic typically screens for risk after a request has already entered application logic, triggered external checks, or reached a workflow that's expensive or irreversible to unwind. That's a poor fit for instant and account-to-account rails, where money — once sent — is gone. Cloud-hosted fraud vendors add a second problem: they need your sensitive data to leave your environment.
Earlier in the path
WoWyrd sits after your trusted edge/TLS termination but before expensive processing — so a risk signal can inform a decision while it's still cheap to act on.
Inside your environment
Runs on-premise / in the operator environment. Raw operational data can stay local — nothing has to leave to get a risk read.
Complementary, not a replacement
Sits alongside KYC, AML, sanctions screening, and existing fraud tooling — a signal layer that helps route what deserves deeper review, not a substitute for any of it.
Three planes: Signal, Risk, Control.
Deterministic and explainable by design — every plane produces something a human can read and check.
Signal Plane
Ingests what you already trust — no need to see raw client packets behind Cloudflare or an ALB.
- Edge headers & logs (Cloudflare, WAF, ALB)
- Application & payment callback events
- Out-of-box threat-intel feeds
- Optional eBPF/runtime agent, later
Risk Plane
Normalizes events, resolves entities, and correlates weak signals into an evidence timeline.
- Trust model per header source
- Velocity counters per entity & combination
- Deterministic, explainable rule pack
- Correlates independent weak signals (automation/bot labels, threat-intel, account-lifecycle) into one explainable compound reason
- Evidence timeline + human-readable reasons
Control Plane
Starts at observe and report. Anything stronger is a deliberate, reviewed step — never the default.
- Observe → evidence report
- Manual review / step-up / hold routing
- Controlled enforcement, only after evidence review
- Optional later: eBPF enforcement (patent application pending)
The regulatory and payment-rail backdrop is shifting underneath this problem.
Discovery context, not a compliance claim — WoWyrd doesn't make you compliant with any of the below.
Narrow, observe-only, and reviewed together.
The first useful deployment is deliberately small: one stream, one owner, one measurable risk question. Framed as shadow-mode / champion-challenger validation — language your model-risk team already uses.
Pick one stream
Merchant onboarding, payout/withdrawal, payment initiation, account-opening/KYC step, beneficiary creation/change, instant-payment initiation, or a suspicious login→payment sequence.
Deploy observe-only, inside your environment
2–4 weeks. Mirror/observe mode — no inline decision on day one. Data-boundary agreed up front: what stays local, what (if anything, hashed or aggregated) leaves.
Review evidence weekly, together
Which early signals appeared before business-impacting events, which were useful vs. noisy, and measured — not claimed — latency and resource impact.
Get a decision report
Not a dashboard promise — a report a non-engineer can read: top triggered rules, evidence timeline, false-positive candidates, suggested calibration, and an enforcement-readiness recommendation: no-go, continue observe-only, or controlled-enforcement candidate.
Not a replacement for KYC, AML, sanctions screening, payment-fraud tooling, bot products, or case management. A pre-transaction signal layer that helps decide what deserves deeper review, routing, throttling, or — later, deliberately — controlled enforcement.
Anywhere a request precedes an irreversible transaction.
Target operators: payment processors & orchestrators, ACH third-party senders, embedded-finance platforms, merchant-onboarding & payout providers, crypto-fiat on/off-ramps, and bank/FI fraud-risk innovation teams (narrow PoC only).
Talk to us about one stream, one owner, one question.
No deck required first — tell us the stream you're worried about and who owns the decision, and we'll scope a narrow, observe-only PoC around it.