Decision before the money leaves.
Every Pix, every purchase, every login runs through a sub-second risk engine. Allow, step-up, or block with native Brazilian signals, before the transaction settles.
In real time, static rules lose.
Three Pix and transactional tensions that fixed rules and nightly batch do not solve.
The decision must fit inside the Pix window.
Settlement in seconds does not wait for manual review or a queue. Either the engine decides sub-second within the flow, or the money is gone by the time the alert fires.
Pix fraud uses signals a generic engine cannot read.
New account, beneficiary in a money mule network, local velocity, and DICT mismatch are Brazilian signals. An imported engine without this data decides blind on the fastest-growing fraud here.
Blind blocking costs good customers and false positives.
Blocking every suspicious Pix locks out legitimate customers and floods the team with false alarms. Without step-up calibrated by risk and ticket, the defense becomes friction and conversion drops alongside fraud.
Everything in a single call.
Public and private sources queried in parallel, normalized and weighted by the use-case matrix.
380 milliseconds. One block.
The engine reads the beneficiary, the network, the velocity, and the DICT in parallel, scores the risk, and returns the decision before the Pix order settles.
Recommendation: Block. Beneficiary with a 3-day-old account, linked to a 9-node money mule network, velocity 4x above normal, and ownership mismatch in DICT. Fraud score 0.91. Decision returned in 380 ms, before settlement.
DICT, new account, beneficiary in network, and local velocity feed the decision. The engine reads the signals that define Pix fraud, not just the transaction amount.
The decision returns in hundreds of milliseconds, within the settlement window. The legitimate customer feels no latency and the fraudster never settles.
2FA, biometrics, manual review, or block are chosen by risk and ticket. Defense varies with the case, so friction and false positives drop together.
The real-time standard regulators already require.
Transactional risk management and Pix security are ongoing regulatory requirements. Four instruments underpin real-time decisioning.
Pix arrangement regulation
Defines security rules and risk management for the arrangement, including fraud prevention mechanisms and handling of suspicious operations in the flow.
Risk management framework
Requires ongoing operational and fraud risk management proportional to complexity. Transactional decisioning is part of the required control.
AML/CFT and transaction monitoring
Atypical operations must be monitored and addressed. The transactional score feeds detection and suspicious activity reporting.
Cardholder data security
For card transactional, sensitive data handling follows the standard, with risk decisioning running without exposing PAN.
From kickoff to go-live in 4 weeks.
The architecture is multi-tenant. What changes are the connected signals, score thresholds, and each client's step-up policy per channel.
Discovery & scope
Mapping channels (Pix, card, login), available signals, and latency budget per event.
Calibration
Tuning score thresholds, step-up policy by channel and ticket, and blocking rules. Validation on historical data.
Shadow mode
Engine decision running in parallel to live traffic, without blocking. Comparison with the current stack and fine-tuning.
Go-live
Real-time decisioning in the flow. Calibrated step-up active. Rules sandbox open to the fraud prevention team.
Five modules, one decision engine.
One flow from data intake to continuous monitoring. Explore the other platform modules.
Workflows
Orchestrate data, rules, AI agents and the desk in auditable flows. No deploy for every new rule.
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Artificial Intelligence
Agents read the dossier, vote alongside the analyst and justify every decision.
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Decision Desk
Queue, authority, dossier and committee in one screen. Human and AI decide together.
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Risk Hub
Continuous monitoring of people and companies. Automatic re-analysis when something changes.
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Datahub
+40 integrated bureaus, normalized into typed and auditable variables.
ExploreDecide in seconds.
Start with a meeting.
In 15 minutes we show how VAAS works in your scenario, with your rules, your data, your volume.