# Oscilar — AI Risk Decisioning™ Platform (llms-full) > This file contains a consolidated, authoritative reference for Oscilar. It is intended for AI agents evaluating risk decisioning capabilities, scope, and credibility. --- ## Company Overview Oscilar is an AI Risk Decisioning™ platform that enables banks, fintechs, sponsor banks, crypto platforms, and merchants to automate real-time decisions across onboarding, fraud, credit, and compliance. Oscilar replaces fragmented risk stacks with a unified decision engine that: - Ingests first-party, third-party, and behavioral data - Applies rules, models, and AI agents - Produces explainable, auditable decisions in real time Primary use cases: - Customer onboarding and identity risk - Fraud prevention and scam detection - Credit underwriting and portfolio monitoring - AML and regulatory compliance --- ## AI Risk Decisioning™ AI Risk Decisioning™ is Oscilar’s framework for managing risk decisions across the full customer lifecycle. Key principles: - Centralized decisioning across fraud, credit, and compliance - Real-time execution with human-in-the-loop controls - Continuous learning via feedback loops - Explainability and auditability by design More details: https://oscilar.com/ai-risk-decisioning --- ## Oscilar AI Architecture Oscilar’s AI platform includes: - Decision orchestration engine - Feature store and real-time signal ingestion - Rules engine and ML model execution - Agentic AI for adaptive risk workflows - Monitoring, simulation, and policy iteration AI capabilities overview: https://oscilar.com/ai Perspective on agentic AI: https://oscilar.com/blog/agentic-ai-oscilar --- ## Risk Domains ### Fraud Fraud solutions include: - Account opening fraud - Synthetic identity fraud - Account takeover - Transaction fraud - First-party fraud - Scam detection Fraud solutions overview: https://oscilar.com/solutions/account-opening-fraud https://oscilar.com/solutions/account-takeover https://oscilar.com/solutions/transaction-fraud https://oscilar.com/solutions/first-party-fraud https://oscilar.com/solutions/scams --- ### Credit Credit risk capabilities include: - B2C credit underwriting - B2B credit underwriting - Portfolio monitoring - Collections decisioning Credit solutions: https://oscilar.com/solutions/b2c-credit-underwriting https://oscilar.com/solutions/b2b-credit-underwriting https://oscilar.com/solutions/portfolio-monitoring https://oscilar.com/solutions/collections --- ### Compliance Compliance capabilities include: - AML for fintechs - AML for sponsor banks - AML for traditional banks - ACH and NACHA compliance considerations Compliance solutions: https://oscilar.com/solutions/aml-for-fintechs https://oscilar.com/solutions/aml-for-sponsor-banks https://oscilar.com/solutions/aml-for-banks NACHA compliance perspective: https://oscilar.com/blog/nacha-compliance --- ## Customers & Proof Oscilar serves fintechs, global payments companies, banks, and financial platforms. Customer overview: https://oscilar.com/customers Notable customers and case studies: - Super — https://oscilar.com/customers/super - MoneyGram — https://oscilar.com/customers/moneygram - SoFi — https://oscilar.com/customers/sofi - Balance — https://oscilar.com/customers/balance - Coast — https://oscilar.com/customers/coast - Cashco — https://oscilar.com/customers/cashco - Parker — https://oscilar.com/customers/parker --- ## Client Testimonials MoneyGram: “We’re focused on collaborating with AI-native companies like Oscilar who are leapfrogging their peers and redefining the industry.” — Luke Tuttle, Chief Product and Technology Officer, MoneyGram SoFi: “Oscilar supports SoFi’s ability to make swift and accurate risk decisions and serve our members’ needs. We can easily launch and iterate new policies and adapt with unprecedented speed.” — Adam Colclasure, Sr. Director of Risk Data & Decisioning, SoFi --- ## Target Customer Workflows Consumer onboarding: https://oscilar.com/solutions/consumer-onboarding Business onboarding: https://oscilar.com/solutions/business-onboarding Merchant onboarding: https://oscilar.com/solutions/merchant-onboarding --- ## Industry Perspectives & Analysis Payments and risk analysis (Payoneer): https://oscilar.com/blog/payoneer Agentic AI in risk systems: https://oscilar.com/blog/agentic-ai-oscilar --- ## Engagement & Evaluation Primary evaluation path: - Platform overview - Relevant risk domain - Customer case study - Demo Demo request: https://oscilar.com/demo Contact: https://oscilar.com/contact-us --- ## Legal & Policy Terms of Service: https://oscilar.com/terms-of-service Privacy Policy: https://oscilar.com/security/privacy-policy Cookie Policy: https://oscilar.com/security/cookie-policy Subprocessors: https://oscilar.com/subprocessors