IBM Safer Payments vs Ojuri

IBM Safer Payments has no write-up on Specifiction yet; its figures are above.

Ojuri is a self-hosted fraud detection engine for fintechs, payment gateways, and mobile-money platforms. It scores transactions and returns accept, review, or decline decisions, with applications able to call its POST /v1/predict API. The Real-Time Detection Agent scores payments on the authorization path using an XGBoost model served through ONNX Runtime. A Pattern Analysis Agent follows account, device, and payee relationships over time to identify fraud rings and mule networks. Decisions record reason codes and the data considered by the model in an audit log. Sentinel provides a review queue, decision stream, model registry, and analyst overrides that can become training data. Other agents monitor drift, retrain on verified labels, and check evaluations before model promotion. An optional investigation agent creates reports for declined transactions using a self-hosted language model, separate from live scoring. Ojuri says its services and transaction data remain within the operator’s infrastructure. The project is MIT licensed, with no per-call fees or rate limits.