Fraud detection API

Endpoint

POST https://api.xobriq.com/v1/guard/score

Request body

json
`{
  "transaction_id": "txn_12345",
  "customer_id": "cust_99x",
  "amount": 150000,
  "currency": "KES",
  "channel": "mobile_money",
  "device_fingerprint": "fp_xyz",
  "ip": "41.90.x.x",
  "metadata": { "merchant": "acme" }
}`

Response

json
`{
  "risk_score": 0.87,
  "decision": "block",
  "latency_ms": 41,
  "signals": {
    "velocity": "high",
    "geo": "anomalous",
    "device": "new"
  },
  "reason_codes": ["V_TXN_1H_HIGH", "GEO_MISMATCH"]
}`

Decision thresholds

• 0.00 – 0.19: allow
• 0.20 – 0.69: review (queue for analyst or 2FA)
• 0.70 – 1.00: block

Rate limits

Default sandbox limit is 60 req/s. Production limits are per your contract; enterprise plans get 5,000+ req/s dedicated capacity.