Welcome to Loci

Loci is the intelligence infrastructure for modern financial services. We provide real-time fraud detection, continuous authentication, and AML compliance solutions that deliver sub-second, explainable decisions.

Unlike legacy fraud engines or black-box AI systems, Loci combines multiple layers of intelligence—transactional, behavioral, network, and contextual—into decisions you can explain to regulators, customers, and your team.

Why Loci?

Challenge Legacy Approach Loci Solution
Speed Batch processing, 100ms+ latency Sub-100ms real-time decisions
Explainability Black-box ML, opaque scores Full audit trail with reasoning
Adaptability Weeks to deploy new rules Minutes with FLM (Fraud Language Model)
Compliance Manual SAR generation Audit-ready decision logs

The Loci Platform

Loci delivers three integrated products through a unified API:

Transaction Monitoring

Real-time fraud detection powered by the MADIE engine. Evaluate transactions against composable rules using the Fraud Language Model (FLM), with network graph intelligence and behavioral analytics.

Use cases: Payment fraud, account takeover detection, velocity anomalies, structuring/smurfing detection

AccessGate

Continuous authentication using behavioral biometrics. Verify user identity throughout their session—not just at login—by analyzing how they interact with your application.

Use cases: Account takeover prevention, bot detection, session hijacking protection, credential stuffing defense

AccessGate AML

Real-time sanctions screening and compliance intelligence. Screen customers against global sanctions lists with relationship detection and AI-powered investigation tools.

Use cases: Sanctions screening, PEP checks, KYC verification, second-degree relationship detection

Quick Start

Get started with Loci in minutes:

1. Get API Credentials

Contact us at [email protected] to receive your org_id and api_key.

2. Test Authentication

bash
curl -X POST https://api.runloci.com/auth/validate-org \
  -H "Content-Type: application/json" \
  -d '{
    "org_id": "your_org_id",
    "api_key": "your_api_key"
  }'

3. Choose Your Product

Integration Paths

API-First

Direct REST API integration for maximum control. Available for all three products.

bash
# Transaction Monitoring
POST /v1/transaction/{orgId}

# AccessGate
POST /accessgate/v1/check

# AccessGate AML
POST /v1/aml/screen

SDK Integration

For AccessGate behavioral biometrics, our JavaScript SDK collects interaction data passively:

javascript
const sdk = new AccessGateSDK({
  enableBehavioralBiometrics: true
});

// Collect at critical moments
const data = await sdk.collect();

Documentation Structure

Section Description
Guides Step-by-step integration tutorials
Products Deep dives into each product
API Reference Complete endpoint documentation
Briefs Technical whitepapers and architecture

Support

Last Updated: January 2026
API Version: v0.8