Fintech & Banking Flows
Credit lines, anti-fraud governance, and reconciliation workflows.
Fintech & Banking Flows
Banking and advanced fintech applications require strict governance, spending limits, risk assessment gates, and reconciliation with external providers.
Credit Lines
A credit line is modeled by allowing a user account to overdraft up to a limit (allow_overdraft), or by creating a dedicated "Credit Reserve" account that funds the user on-demand.
Anti-Fraud Flow Gates
Using Watchers and Rules, you can intercept high-risk transactions before they settle.
Use observe mode on watchers to shadow-score transactions without blocking them — ideal for tuning your rules before enforcement.
Example: Account-Level Watcher
Create a watcher on a user account with a strict threshold and two rules for high-value + velocity checks:
{
"target_type": "account",
"target_id": "user_account_id",
"threshold": 80,
"mode": "enforce",
"rule_ids": ["rule_high_value_id", "rule_velocity_id"]
}Transfers on this account will be held pending and scored against the attached rules. Only scores of 80 or above pass.