Remitgo scores every transaction in real time, profiling sender and beneficiary behavior, watching velocity across corridors and flagging anomalies before a transfer settles.
Every customer builds a baseline from their own transfer history. Remitgo compares each new transaction against that profile and surfaces deviations that rules alone would miss.
Configurable limits on count, amount and frequency over rolling windows, caught the moment a structuring or smurfing pattern starts to form.
Device fingerprint, IP reputation and geolocation mismatch feed the score, so an account takeover looks different from the genuine customer.
Each transfer returns a calibrated 0–100 fraud score with the contributing reason codes, ready to drive an approve, review or block decision.
Fraud scoring runs alongside Remitgo's AML rules and on8's SmartSanction screening engine, so a single decision reflects fraud, money-laundering and watchlist risk together.
High-risk transactions raise a signed webhook and a case in the review queue immediately, so analysts act before settlement, not after.
API Reference
Preview of the planned interface - this API is in development and not yet publicly available.
Request
{
"transaction_id": "txn_8a21f0",
"sender_id": "cust_001",
"beneficiary_id": "ben_4471",
"amount": 420000,
"currency": "GBP",
"corridor": "GB-NG",
"device": { "fingerprint": "df_9c12", "ip": "198.51.100.23" }
}Response
{
"transaction_id": "txn_8a21f0",
"fraud_score": 78,
"risk_band": "high",
"decision": "review",
"reason_codes": ["velocity_spike", "first_time_corridor", "device_mismatch"],
"model_version": "fraud-2026.07.1",
"scored_at": "2026-07-01T14:29:52Z",
"api_version": "v1"
}Remitgo launches Q4 2026. Talk to our team about early access to real-time fraud scoring for your corridors.
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