Real-Time Monitoring

Real-time detection
and instant decisioning that unlocks your revenue growth

Approve or block transactions before fraud ever completes. Our real-time monitoring evaluates transactions in under 250 milliseconds, meeting the speed demands of FedNow, RTP, Zelle, and instant payments, so fraud never settles.

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Deploy with Confidence

Test before you go live

Fraud evolves every day. Your controls should too, without creating noise, false alarms, or operational disruption.

Roll out new fraud logic safely and confidently. Validate performance, measure impact, and fine-tune thresholds before a single alert reaches your team. Stay ahead of emerging threats while trusting that every change improves signal, not noise.

Shadow mode

Run rules silently on live traffic to preview projected alerts without triggering customer impact or operational workflows.

Validation mode

Test new logic against historical data to measure true performance, understand signal-to-noise ratio, and reduce false positives before deployment.

Sandbox environment

Experiment freely in a controlled setting. Adjust thresholds, tune strategies, and optimize decisioning with zero production risk.

What Makes Unit21 Different

Fraud prevention that delivers
measurable results

Approve more good customers while stopping fraud in real-time. Our sub-250ms decisioning evaluates transactions using dynamic rules, behavioral signals, device intelligence, and risk indicators in milliseconds. Increase approvals, reduce fraud losses, and minimize false positives, while giving your risk team the control to adapt quickly without slowing payments or revenue.

Agentic Rules Recommendation

Smarter Rules. Fewer False Positives.

Automatically surface high-impact rule suggestions based on live transaction data and evolving fraud trends to improve detection while reducing false positives.

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Unified Real-Time Rules Execution

One Fraud Strategy Across Every Payment Rail.

Execute consistent fraud logic across ACH, wires, RTP, cards, and more, with shared intelligence that strengthens every decision.

Rules Orchestration

Deploy Changes in Minutes, Not Weeks.

Replace rigid logic with visual decision trees to orchestrate checks, prioritize execution, and deploy changes fast.

Velocity Conditions

Stop Rapid-Fire Fraud in Real-Time.

Detect structuring and rapid-fire fraud by tracking frequency, volume, and behavior.

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Device Intelligence

Expose Compromised Accounts Instantly.

Identify compromised accounts and bot-driven fraud using device risk score and raw signals.

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Fraud Consortium

Detect Emerging Threats Before They Scale.

Detect known bad actors and emerging fraud patterns earlier using shared, cross-institution intelligence covering 80M+ U.S. consumers.

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Payment Screening

Block Sanctioned Parties in Real-Time.

Trigger real-time alerts when users, businesses, or counterparties match against sanctions watchlists.

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Automated Decisioning

Decide Instantly. No Manual Bottlenecks.

Automatically approve, block, or escalate transactions without manual review or operational delays.

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Multi-Channel Coverage

Complete Coverage. Zero Blind Spots.

Monitor ACH, wires, P2P, A2A, cards, and checks through a single, unified platform to eliminate silos, reduce blind spots, and ensure consistent fraud controls across every payment type.

Fraud Use Cases

Fraud We Stop in Under 250ms

Real-time monitoring isn’t just about alerts. It’s about stopping fraud before money moves. Evaluate every transaction against behavioral signals, device intelligence, velocity patterns, consortium data, and sanctions risk, in under 250 milliseconds.

Account takeover

Detect compromised accounts the moment behavior changes. Identify suspicious logins, device changes, unusual geolocation shifts, and high-risk payment attempts in real time.

Authorized push payment & social engineering fraud

Stop scams before customers send irreversible payments. Instant payments demand instant intelligence. Detect first-time payees, abnormal payment sizes, behavioral deviations, and urgency patterns before funds settle via RTP, FedNow, wires, or ACH.

Rapid-fire & velocity-based fraud

Shut down bots and drain attacks in seconds. Detect abnormal transaction frequency, structuring behavior, and rapid-value spikes as they happen.

Money mule & layering activity

Expose mule networks before they scale. Identify newly opened or dormant accounts that suddenly receive and disperse funds across multiple beneficiaries.

Real-time watchlist screening

Interdict sanctioned parties before payment release. Screen counterparties in milliseconds against sanctions lists and high-risk jurisdictions. Prevent regulatory breaches without slowing payments.

Cross-channel fraud

One fraud strategy across every payment rail. Fraud doesn’t happen in silos. Monitor ACH, wires, RTP, cards, P2P, and A2A through a single decision engine with shared intelligence. A login anomaly on mobile can influence a wire decision seconds later.