API v1.0 — Now Generally Available

Transaction governance
for autonomous agents

Stop worrying about what your AI agents spend. One API call tells you if a purchase is safe, risky, or fraud — before the money moves. Built for production, ready in minutes.

35 tests passing
<50ms p99 latency
7 risk factors
Live Risk Evaluation APPROVED
0 50 100
32
Amount ratio
0.3
Category risk
6.0
Velocity
0.0
Merchant trust
1.5
Time anomaly
0.0
Geo consistency
3.0
Signature
0.0
Built on
Google AP2 PSD2 / SCA JWT RS256 Schema.org A2A Protocol

One endpoint.
Complete governance.

Send transaction details to POST /v1/evaluate. Get back a decision, risk score, factor breakdown, and compliance status. That's it.

  • Risk score 0-100 with 7 weighted factors
  • APPROVED / DECLINED / STEP_UP_REQUIRED
  • Unique trace_id for every evaluation
  • PSD2/SCA exemption logic included
from trustflow import TrustFlowClient

client = TrustFlowClient(api_key="tf_live_a1b2c3...")

result = client.evaluate(
    amount=349.99,
    category="electronics",
    merchant_id="amazon_bot",
    merchant_trust_score=0.92,
)

if result.decision == "APPROVED":
    process_payment(result.trace_id)
elif result.decision == "STEP_UP_REQUIRED":
    request_user_confirmation()
else:
    log_declined(result.reason_text)
curl -X POST https://api.trust-flow.dev/v1/evaluate \
  -H "Authorization: Bearer tf_live_a1b2c3..." \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 349.99,
    "currency": "USD",
    "category": "electronics",
    "merchant_id": "amazon_bot",
    "merchant_trust_score": 0.92,
    "user_id": "user_456"
  }'
const res = await fetch("https://api.trust-flow.dev/v1/evaluate", {
  method: "POST",
  headers: {
    "Authorization": `Bearer ${apiKey}`,
    "Content-Type": "application/json",
  },
  body: JSON.stringify({
    amount: 349.99,
    category: "electronics",
    merchant_id: "amazon_bot",
    merchant_trust_score: 0.92,
  }),
});

const { decision, risk_score } = await res.json();
Response 200 OK 47ms
{
  "decision": "APPROVED",
  "risk_score": 32.5,
  "risk_level": "MEDIUM",
  "sca_required": false,
  "trace_id": "tf-a98eacf5-677",
  "factors": [/* 7 weighted factors */]
}

Everything you need to trust
what your agents buy

Smart risk scoring

A single score from 0 to 100 tells you how risky each purchase is. We look at amount, merchant, spending patterns and more — so you don't have to.

Compliance, handled

European payment rules (PSD2/SCA) are built in. We flag when extra authentication is needed and when it isn't — you stay compliant without reading regulations.

Fast enough to be invisible

Decisions come back in under 50 milliseconds — faster than a blink. Your users never wait, and your agents keep working at full speed.

Know exactly what happened

Every decision comes with a clear explanation and a searchable history. When something goes wrong — or when auditors ask — you have all the answers.

Your rules, your way

Set spending limits, block categories, or adjust how strict the system is. Every team gets its own private setup — no surprises, no shared data.

Integrate in 3 lines

Drop our SDK into your app and you're protected. Works with Python, Node.js, and the browser — or call our API directly from any language.

Three steps to production

01

Sign up

Get your API key in 10 seconds. Free tier included — no credit card, no sales call, no waitlist.

Authorization: Bearer tf_live_...
02

Check every purchase

Before your agent buys something, send us the details. We tell you if it's safe in less than 50ms.

POST /v1/evaluate
03

Act with confidence

Approve, block, or ask for extra verification — based on our recommendation. Every decision is logged automatically.

{ "decision": "APPROVED" }
0
Risk factors per evaluation
0ms
Average response time
0 lines
Code to first evaluation
0%
PSD2/SCA coverage

Transparent. No surprises.

Start free, scale when ready. All plans include the full governance engine.

Free
$0 /month

For prototyping and evaluation

  • 100 evaluations / hour
  • Full 7-factor risk scoring
  • PSD2/SCA compliance
  • 7-day history retention
  • Community support
Start free
Enterprise
$499 /month

Unlimited scale, dedicated support

  • Unlimited evaluations
  • Custom compliance rules
  • Dedicated velocity engine
  • 99.9% SLA uptime
  • Unlimited history
  • Slack + priority support
  • On-premise option
Contact sales

Estimate your monthly cost

Drag the slider to match your expected evaluation volume.

50,000
Free
$0
Up to 1,000 evals/mo
Pro
$49
$49 base + overage
Enterprise
$499
Flat — volume discount

Recommended plan: Pro

Start evaluating transactions now

Get your API key instantly. No credit card required.