PayGraph

Developer platform

Governed APIs for financial intelligence

The long-term opportunity is to let thousands of developers build on PayGraph without becoming custodians of unrestricted financial data. Applications use signed claims and task-specific APIs—not raw graph downloads.

Backend OS in development · Marketing preview of the service surface

// Illustrative claims response

{
  "request_id": "req_8f2a…",
  "claim": "device_trusted",
  "value": true,
  "confidence": 0.94,
  "freshness": "2026-07-26T14:02:11Z",
  "expiry": "2026-07-26T14:17:11Z",
  "policy": { "purpose": "authorization", "scope": "txn_conf" },
  "reason_codes": ["known_device", "biometric_bound"],
  "audit_ref": "aud_91c…"
}

Service families

What developers will call

Every API response is designed to include request ID, policy decision, data classification, confidence, freshness, expiry, explanation or reason codes, and audit references.

Identity

  • Create identity token
  • Verify relationship
  • Resolve identity
  • List assurance
  • Revoke link

Consent & policy

  • Grant purpose
  • Inspect scope
  • Renew / revoke
  • Evaluate policy
  • Retrieve audit receipt

Events

  • Submit event
  • Validate schema
  • Retrieve status
  • Replay to sandbox
  • Subscribe to webhook

Transaction confidence

  • Score authorization
  • Retrieve reason codes
  • Request step-up
  • Simulate policy

Fraud & trust

  • Evaluate anomaly
  • Device trust
  • Beneficiary risk
  • Relationship risk
  • Network pattern

Recommendations

  • Eligible offers
  • Reward optimization
  • Next best action
  • Suppression reason

Claims

  • Request scoped attribute
  • Verify issuer
  • Inspect expiry
  • Validate signature

Agent context

  • Create task context
  • Retrieve citations
  • Propose action
  • Request user approval

Simulation

  • Replay cohort
  • Compare model versions
  • Calculate impact
  • Export evaluation report

How apps join

Secure path is the easy path

  1. Step 1

    Register an application and declare purposes

  2. Step 2

    Select approved service scopes

  3. Step 3

    Complete risk review and receive sandbox credentials

  4. Step 4

    Ship with signed claims and task-specific context

Commercial models

Monetize intelligence, not data sales

ModelDescription
Embedded platform capabilityIncluded within mCards or Neobankify program tiers.
Usage-based intelligence APIPer decision, event, claim, graph query, or agent context package.
Enterprise subscriptionCommitted capacity, administrative tools, governance, reporting, and support.
Outcome-aligned pricingShare of measurable fraud reduction, rewards value, conversion lift, or operational savings.
Developer marketplaceRevenue share on approved third-party applications and services.
Simulation & analyticsModel evaluation, historical replay, benchmarking, and strategy services.

Roadmap

From foundation to network

1 — Foundation

Ontology, identity tokens, consent, event bus, graph store, transaction confidence, simulation.

Exit: Reliable replay, audited policy decisions, production latency targets, initial partner use.

2 — Expansion

Fraud graph, rewards, recommendations, admin tools, claims APIs, agent context.

Exit: Measured value across several use cases; developer sandbox operational.

3 — Ecosystem

Partner contribution model, marketplace, cross-program intelligence, certification.

Exit: Multiple external applications; repeatable governance and commercial model.

4 — Network

Portable intelligence, federated graph collaboration, broader standards and interoperability.

Exit: Independent implementations or partners conform to shared specification.

Read the architecture paperTrust requirements for apps