For operations initiated by a system, automation, or AI agent

The final decision
before sending money

Froddy sits between the system that initiates the operation and execution. Evaluates each transfer in current context and returns a decision before money is sent.

Returns a decision before execution: allow, hold, block, or send for review

Evaluates the operation in current context — no code changes needed for each new scenario

Unified decision log: what passed, what was stopped, and why

System / agent

initiates the operation

→

Froddy

makes the decision

→

Execution

only when allowed

Why now

More and more operations are initiated without a human in the loop

Transfers are sent by rules, internal processes, and AI agents. Humans appear in the chain less and less. That’s fine — as long as there’s a reliable decision point before execution.

Automated payouts

ERP, billing, and internal processes trigger transfers on schedule or by event — without manual approval of each operation.

AI agents in payment flows

Agents increasingly initiate financial actions on their own. The faster the transfer, the more critical the final decision before execution.

Context changes fast

New recipients, changed routes, unusual amounts — the situation shifts, and rules in systems can’t keep up with the context.

Where in the process

Froddy makes the decision before the transfer

Between the operation trigger and execution — a separate decision point. Execution waits for Froddy’s answer.

System or agent initiates the operation

↓

Froddy makes the decision before the transfer

↓

✓

Allow

⏸

Hold

Block

→

Send for review

Froddy works over existing infrastructure. Bank and processing stay unchanged.

When rules aren’t enough

Internal rules work well when the scenario is stable

When context changes often, they have to be rewritten constantly in ERP and payment code.

Internal rules

Work well while the scenario stays stable — one type of recipient, predictable amounts, fixed route.

→

When a new operation type appears or context changes, rules in ERP or code must be rewritten manually.

→

Decision logic is built into the same system that initiates the action. When logic changes — both layers change together.

Froddy

Evaluates the operation in current context — not by the hardcoded logic of a single system.

Decision parameters can be changed without touching payment code.

A separate decision layer — independent of what happens in the initiating system.

Froddy is useful where context changes often enough that maintaining a separate decision layer is more practical than constantly rewriting rules.

Operation context

What Froddy evaluates at the moment of an operation

Not a single fixed threshold — a combination of signals in current context.

new or unusual recipient amount above typical level account details changed recently country, currency, or route changed sharp increase in transfer frequency operation outside the usual cycle existing risk signal for the operation unusual combination of fields

Froddy considers the combination of current signals — not a single fixed threshold.

Decision log

Unified decision log

Every operation is a record: what was checked, what decision was made, and why. History helps refine rules without changes to payment code.

Decision log last 8

Operation IDrecipientamountdecision

act_00415 entity_047$2,800 allow

act_00414 entity_012$12,400 hold

act_00413 entity_047$12,400 block

act_00412 entity_003$780 allow

act_00411 entity_047$6,500 allow

act_00410 entity_003$1,830 allow

act_00409 entity_012$43,200 hold

act_00408 entity_091$4,100 allow

One place for all decisions

All verdicts, reasons, and statuses in one log. No need to piece together history from multiple systems.

History helps refine rules

Accumulated decisions help refine rules over time — without changes to payment code.

Minimal data

Anonymous IDs and amounts only. Personal data, card numbers, and CVV are not required.

Use cases

Where this is especially relevant

Payout platforms

High volume of recurring transfers, high cost of error. A decision point before each transfer — without slowing the flow.

Vendor and finance operations

Money moves through internal processes. Manual review slows things down, and new counterparties appear regularly.

Crypto and agentic workflows

The faster the transfer and the fewer humans in the chain — the more critical the final decision before sending.

Safety and rollout

How Froddy works and how it rolls out

How it works safely

Fail-open. If Froddy doesn’t respond in time, the flow proceeds normally. Froddy doesn’t control execution — it only returns a decision.

You handle the response. What to do with the verdict is up to you. Froddy only returns the decision.

Minimal data. Anonymous IDs and amounts only. Personal data, card numbers, and CVV are not required.

What Froddy is not

≠Not a bank or PSP. Doesn’t send money or manage payment routes.

≠Not anti-fraud or KYC/AML. Evaluates the operation in context, not the identity of the payer.

How Froddy rolls out

Shadow mode. Froddy receives operations, evaluates them, and writes the log. Execution is not affected. You can see how Froddy performs on real traffic.

Verdicts in the flow. The team sees Froddy’s decisions alongside how operations are currently handled. This is the calibration point — you compare and refine.

Decision layer. Once the scenario is calibrated, Froddy becomes the final decision point before money is sent. Execution waits for the verdict.

No need to put Froddy in the critical path on day one. Observe first — transition later.

Rollout path

From shadow mode to the final decision

We start with one scenario. No need to put Froddy in the critical path immediately — first observe, then move to the final decision.

Shadow mode

Froddy observes operations and writes the log. Execution stays unchanged. You can see how Froddy evaluates the current flow.

Verdicts

Froddy’s decisions appear alongside real operations. You can see where Froddy diverges from current logic. This is where you calibrate.

Decision layer

Selected scenarios move to final decision mode. Froddy determines the outcome before money is sent.

Expansion

As you’re ready, new scenarios are added. Each follows the same path: shadow → verdicts → decision.

What we need from you

One scenario to start · API or webhook · One business or finance owner · Short iterations on the decision log

What you will see

How Froddy evaluates in shadow mode · Where its decisions diverge from current rules · When verdict quality is ready to transition · When the scenario is ready to become a decision layer

Discuss on your process

hello@froddy.io

If you have questions

Frequently asked questions

How is Froddy different from anti-fraud?

Anti-fraud checks the payer and looks for fraud. Froddy evaluates the operation itself in current context — before money is sent. It returns a decision: allow, hold, block, or send for review. Different tasks, different layers.

Do we need to replace our bank or payment processor?

No. Froddy works over existing infrastructure. Bank, processing, and routing stay unchanged.

Do we need to put Froddy into the critical path immediately?

No. Teams usually start in shadow mode: Froddy receives operations, evaluates them, and writes the log — without affecting execution. Then the team compares Froddy’s verdicts with how operations are currently handled. The transition to final decisioning happens after calibration, when ready — not on day one.

How long does the first connection take?

We start with one scenario. Connection via API or webhook. Speed depends on your release cycle. One owner and about 30 minutes a week is enough to start.

How does Froddy fit into the current payment flow?

Before execution, your system sends a request to Froddy. Froddy evaluates the operation and returns a decision: allow, hold, block, or send for review. Execution waits for the answer.

Does Froddy logging slow down payment execution?

No. Froddy returns a decision synchronously. The decision log is available in real time.