Business Rule Framework

Low-code engine for intelligent compliance, fraud prevention, and automated decision-making across all payment flows.

What is the Business Rule Framework?

The Business Rule Framework (BRF) is a low-code decision engine that automates compliance, fraud detection, and eligibility verification across your entire payment infrastructure.

Instead of hardcoding business logic into your application, BRF allows you to define, manage, and modify rules through an intuitive interface—no engineering resources required.

Think of it as the “brain” of your payment system: intelligently routing transactions, screening for risk, enforcing spending limits, and ensuring regulatory compliance in real-time.

Core Capabilities

  • KYC/KYB Verification
  • AML & Sanctions Screening
  • Fraud Detection & Prevention
  • Spend Controls & Velocity Limits
  • Eligibility Management
  • Real-time Decision Engine

Why Use Our Business Rule Framework?

No-Code Rule Management

Business users can create and modify compliance rules without writing code. Reduce dependency on engineering and accelerate time-to-market.

Real-Time Decisions

Process millions of rules in milliseconds. Make approve/decline decisions instantly at the point of transaction without impacting user experience.

Regulatory Compliance

Built-in compliance with FinCEN, OFAC, BSA, and international AML regulations. Automatically updated with new sanctions lists and regulatory changes.

Advanced Analytics

Track rule performance, false positive rates, and compliance metrics. A/B test different rule configurations to optimize approval rates.

Flexible Rule Logic

Create simple or complex rules using IF-THEN logic, weighted scoring, machine learning models, and external API integrations.

Audit Trail & Explainability

Every decision is logged with full context. Understand exactly why a transaction was approved or declined for regulatory audits and dispute resolution.

Types of Rules You Can Configure

KYC/KYB Rules

Automate identity verification and business verification workflows

  • Document verification (ID, passport, SSN)
  • Liveness detection and biometric checks
  • Business registration verification
  • Beneficial ownership screening
  • Risk-based KYC (simplified vs enhanced)

AML & Sanctions Rules

Screen transactions and users against global watchlists

  • OFAC sanctions list screening
  • PEP (Politically Exposed Persons) checks
  • Adverse media monitoring
  • Cryptocurrency address screening
  • Real-time transaction monitoring

Fraud Detection Rules

Identify suspicious patterns and prevent fraudulent activity

  • Velocity limits (daily, weekly, monthly)
  • Geographic anomaly detection
  • Device fingerprinting and IP checks
  • Behavioral biometrics
  • Transaction pattern analysis

Spend Control Rules

Enforce transaction limits and spending policies

  • Per-transaction limits
  • Merchant category restrictions
  • Time-based controls (business hours only)
  • Budget allocations
  • Multi-level approval workflows

Eligibility Rules

Determine who qualifies for products and programs

  • Income and credit requirements
  • Geographic restrictions
  • Age and citizenship verification
  • Employment status validation
  • Household composition checks

Routing Rules

Intelligently route transactions based on context

  • Payment rail selection (ACH, wire, RTP)
  • Currency conversion logic
  • Failover and retry policies
  • Cost optimization routing
  • Settlement priority rules

Real-World Applications

Government Disbursements

Automate eligibility verification for stimulus programs, disaster relief, and social benefits.

FEMAIRS/EIPSocial SecurityHHS

Bank Compliance

Meet BSA/AML requirements with automated transaction monitoring and suspicious activity reporting.

FinCENOCCFDICFed

Fintech KYC

Onboard users instantly with risk-based verification and automated document checks.

SECState RegulatorsCFPB

Cross-Border Payments

Screen international transactions against global sanctions lists and enforce FX regulations.

OFACBISUN Sanctions

Enterprise Spend Management

Enforce corporate card policies, approval workflows, and expense categorization rules.

Internal AuditFinanceProcurement

Digital Asset Trading

Prevent market manipulation, enforce trading limits, and comply with crypto regulations.

SECCFTCFinCEN

How the Framework Works

01

Define Rules

Use our visual rule builder to create business logic without code

02

Test & Validate

Run simulations on historical data to ensure rules perform as expected

03

Deploy

Push rules to production with versioning and rollback capabilities

04

Monitor & Optimize

Track performance metrics and continuously improve rule effectiveness

Technical Performance

< 100ms
Response Time

Average rule evaluation

100K+ TPS
Throughput

Rules per second

99.99%
Uptime

Availability SLA

Unlimited
Rule Capacity

Active rules supported

Ready to Automate Your Compliance?

See how leading financial institutions use our Business Rule Framework to reduce fraud, ensure compliance, and accelerate growth.