COSMOS unifies transaction monitoring, customer risk scoring and case management on a foundation of per-tenant encryption and row-level isolation — built developer-first, for teams who need to explain every decision.
Built to unify the AML tools you already run — via a typed API and connectors on the roadmap
The COSMOS model
Every capability in COSMOS maps to a simple operating loop your whole financial-crime program can run on.
01 — Monitor
Score every customer and screen every transaction in real time. Configurable risk scoring and rules surface what matters the moment it happens.
02 — Orchestrate
Alerts, cases and escalations flow through one routed workflow. Priority scoring and configurable dispositions surface what matters so analysts act instead of sift.
03 — Scale
Designed to handle more volume without more headcount. Automation, reusable templates and audit trails grow your coverage, not your team.
Capabilities
Six tightly-integrated modules that replace a stack of disconnected point tools.
Configurable customer risk scores from behaviour, geography and KYC signals — recomputed as new evidence arrives, and every change explains itself.
Real-time and batch rules screen every payment for structuring, velocity, sanctions and typology patterns — the same engine for both.
Configurable priority scoring ranks every alert P0–P4, and per-rule dispositions — hold, alert-only, reject/refund — act automatically.
Escalate alerts into cases, route to the right team, and compile SAR/STR drafts from reusable narrative templates — with a full audit trail.
Every tenant's data is encrypted under its own key and isolated at the database with row-level security — one tenant's key can never unlock another's.
A typed, versioned public API — transactions, customers, alerts and cases — with scoped keys, idempotency, signed webhooks and OpenAPI docs.
Built in by design
Why we're building this
"Most compliance tooling asks you to trust a black box with your most sensitive data and your most consequential decisions. COSMOS is built the opposite way: your data is encrypted with a key only your tenant uses, every decision is logged and replayable, and every risk score explains itself. I ran a financial intelligence unit before this — I'm building the tool I wish I'd had, with a small group of early-stage partners, in the open."
We're onboarding a small group of early-stage partners — at-cost for year one. Get founder-level attention and shape the roadmap. Join the watchlist and we'll email you when the programme opens.