Real-time risk scoring, powered by AI
The scoring core of Paygilant — evaluating every onboarding, login, profile change, and transaction against hundreds of behavior and device signals to deliver instant, intelligent risk decisions, without adding friction.
Sub-50msdecision latency
500+risk signals analyzed
Continuousmodel retraining
Every interaction, scored in real time
Instead of relying on static rules or isolated signals, ARE continuously analyzes behavior, context, and intent — adapting in real time as threats evolve. Six proprietary intelligence sets combine into a single decisioning layer, turning fragmented signals into one trustworthy risk score in milliseconds.
The six intelligence sets
Device DNA
Identifies devices with precision, even when fraudsters attempt to mask or manipulate them.User Space
Understands the user’s environment and behavior to distinguish trusted users from suspicious ones.Activity Map
Tracks how users interact with your application and detects abnormal flows or patterns.Biomarkers
Analyzes behavioral biometrics to differentiate real users from bots and automated attacks.App Insights
Validates consistency between user identity, device, and application data.Transaction View
Monitors transaction behavior to detect anomalies in amount, velocity, and intent.Part of a connected platform
ARE works alongside the rest of Paygilant — connecting signals across users, devices, and channels for end-to-end protection.
Face Verification & LivenessAML & Sanctions ScreeningFraud Management Portal
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