# Fraud decisioning, orchestrated everywhere.

Canonical: https://getfuturebank.com/solutions/fraud-as-a-service
Last updated: 2026-10-06

Bring fraud, AML and decisioning providers into customer and transaction journeys through one standardized orchestration layer, including journeys started by AI agents.

## The problem.

Fraud tools are often wired into one channel or one payment stream. Agentic banking adds a new channel overnight, and every channel needs the same protection.

- **Every**: Journey and channel covered
- **Swap-ready**: Change providers behind the model
- **Audited**: Every decision recorded

## Everything Fraud as a Service connects.

- **Onboarding risk**: Identity, KYC/KYB and credit decisions orchestrated into account opening.
- **Transaction screening**: AML and fraud checks across card, account, cross-border and crypto payment streams.
- **Decision routing**: Route to the right provider per journey, product or risk tier.
- **Step-up & holds**: Trigger step-up authentication, approvals or holds as policy outcomes.
- **Case servicing**: Investigate held payments and alerts in BankCentral, conversationally.
- **Agent-aware**: Agent-initiated actions carry identity, consent and context into decisioning.

Canonical capabilities used: Fraud & Risk, Onboarding, Payments, Cards.

## Agent-accessible from day one.

The capabilities behind Fraud as a Service are exposed through FutureBank MCP, so customers, employees and developers can use them through AI, under the same controls as every other channel.

- Employee: “Why was this R12,400 payment held, and who approved the release?”
- Employee: “List agent-initiated payments over R10,000 this week.”
- Customer: “Was that R899 card payment really me?”

## Fraud orchestration pilot

- Connect a decisioning provider
- Apply it to one payment stream and one agent journey

Outcome: Consistent decisions across channels

[Start this pilot](https://getfuturebank.com/contact?topic=fraud-as-a-service)

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Start a conversation about what agentic banking could mean for your bank, beginning with one governed journey. [Let's connect](https://getfuturebank.com/contact) · [Play · Pilot · Build · Run](https://getfuturebank.com/get-started)