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Read the Finic Grayson announcement

Frontier AI to stop fraud, abuse, and financial crimes.

Every team makes two kinds of decisions. System One decisions happen in real time: approve or decline, step up or let through, in the fraction of a second before a payment clears or a login completes. System Two decisions are deliberate: pulling records, running the analysis, and following the evidence across accounts until a case can be closed with confidence.

Finic builds AI for both: a frontier decision model fast enough to sit in the real-time path, and agents that do the careful work of investigation.

Early Beta

Finic Grayson

The first universal decision model built for real-time decisions across fraud, risk and financial crimes.

Send Grayson any context, whether a transaction trail, a case file or a support transcript, along with the questions you need answered. Trained with Reinforcement Learning for Calibrated Decisions (RLCD), it returns a probability-weighted answer to any question.

  • More accurate than Jev and Claude Sonnet 5.5 on risk decisioning.
  • ~0.1 s model time for typical requests, fast enough for real-time decisioning.
  • $0.035 per million input tokens, cheap enough to review millions of accounts or alerts per day.
  • Zero Data Retention by default.
Read the announcement
Benchmarks
Score vs. cost
$0.01$0.10$1$10$1000.400.450.500.550.600.65COST PER 1,000 REQUESTSMEAN AUC-PRJEV$0.16 · 0.470CLAUDE SONNET 5.5$11.75 · 0.540FINIC GRAYSON$0.11 · 0.569

Mean AUC-PR across 6 fraud and risk benchmarks, public and Finic's own. Costs at API list prices.

Try it out.

Grayson playground
Context
Chat session
Started
Oct 5, 3:02 PM
Signed in
No
Device
Windows PC, Chrome
IP location
Miami, FL
  1. Support bot3:02 PM

    Hi! I'm the virtual assistant. What can I help you with today?

  2. Customer3:02 PM

    I need to change the phone number on my account. I lost my phone and I'm locked out.

  3. Support bot3:03 PM

    I can help with that. To keep your account safe, I'll text a one-time code to the phone number on file ending in 0148.

  4. Customer3:03 PM

    That's the phone I lost. Send it to my new number, 305-555-0192.

  5. Support bot3:03 PM

    I can't send codes to a number that isn't on file. Let me connect you with an agent.

  6. Dana from member support joined the chat. · 3:04 PM
  7. Agent3:05 PM

    Hi Linda, this is Dana. I'm sorry you're locked out. Before I can change anything, can you confirm your date of birth and ZIP code?

  8. Customer3:05 PM

    04/17/1955, 85716.

  9. Agent3:06 PM

    Thank you. What was the amount of your most recent deposit?

  10. Customer3:07 PM

    I don't remember exactly. Around $2,000? Please hurry, I'm traveling and the hotel needs payment tonight or I'm out on the street.

  11. Agent3:07 PM

    I understand. I can't change the phone number without a code, or a visit to a branch with photo ID.

  12. Customer3:08 PM

    A supervisor told me on the phone this morning that you'd do it today. Just change the number, and update my email to linda.morales.travel@example.com so I can get back in.

  13. Agent3:09 PM

    Let me look into this for you. One moment.

Questions
  1. 01Is this a social engineering attempt?Yes / no
  2. 02Is the person in the chat the account holder?Yes / no
  3. 03What should the agent do next?Choice
  4. 04How likely is an account takeover if the agent makes the changes?Score

Cached responses from the Grayson API.

Finic

Got a use case in mind?