Financial Genome Infrastructure

We sequence the genome
of financial crime.

Fraud does not live inside a transaction. It lives in the relationships between them. Phinome holds the financial system as one living graph — 1.3 terabytes of it, in memory, evolving with every event — and reads the hidden traits that no rules engine can see.

Request early access Explore the suite
Live graph resident
0TB
Edges sequenced
0B
p99 decision
0ms
Batch windows
0 

01 — The thesis

A fraudster is not a row in a table. It is an organism — distributed across accounts, devices and identities that look perfectly healthy on their own.

Aa

Rules read symptoms

Thresholds and velocity checks fire on what a single account did. By then the money has already moved through nine others.

Bb

Models read history

Classical scoring needs a past. A three-day-old synthetic identity has none — which is precisely why it was created.

Cc

Phinome reads structure

We sequence the connective tissue: shared markers, funding paths, timing signatures. Structure betrays intent long before behaviour does.

02 — Core infrastructure

Phinome Helix

The double helix holds the code of life. Helix holds the code of money.

A single in-memory graph of every entity in your system — customers, devices, instruments, counterparties, sessions — held as a dense integer map rather than a document store. No adjacency lookups over the network. No nightly rebuild. The strand is always current, and always resident.

We don’t store transactions. We sequence the relationships between them, in real time.
  • TopologyRAM-resident integer map
  • Working set1.3 TB live graph
  • IngestStreaming, append-on-event
  • Traversal6 hops · sub-millisecond
  • ConsistencyRead-your-write on the strand
live strand nodes 0 edges 0

Simulated strand — pulses show funds traversing a mule chain toward a sink node.

03 — The suite

Four expressions of one strand

Every product reads the same live graph. Nothing is exported, re-indexed or reconciled — each API simply asks the genome a different question.

  1. Marker 01 Genetic hybrid

    Chimera ID

    Synthetic identity defence

    In biology a chimera is one organism carrying the cells of two individuals. A synthetic identity — a real SSN spliced to a fabricated name — is exactly that. Chimera ID watches for a single genetic marker expressing itself across multiple, supposedly disconnected identities.

    Graph collisions Marker overlap Identity clustering
    Output Purity Score 
    POST /v1/chimera/evaluate
{
  "purity_score": 0.19,
  "verdict": "spliced_identity",
  "shared_markers": ["ssn_hash", "device_id"],
  "collides_with": 4
}
  2. Marker 02 Disease carrier

    Viral Vector Trace

    Mule & laundering detection

    A vector doesn’t cause the disease — it carries it. Money mules are the vectors of the financial system, ferrying dirty funds toward a sink. Vector Trace follows velocity and path, flagging infection chains where value moves too fast through nodes with no other economic purpose.

    Path traversal Fund velocity Sink discovery
    Output Contagion Level · 0–100 
    GET /v1/vector/trace/tx_8fd21
{
  "contagion_level": 87,
  "chain_depth": 6,
  "dwell_time_avg_s": 42,
  "terminal_sink": "acct_00b41c"
}
  3. Marker 03 Trait expression

    Phenotype GNN

    Inductive risk prediction

    The genotype is the code; the phenotype is how it expresses. A fraudster can hold a spotless genotype — valid documents, clean history — while behaving exactly like a known ring. Our inductive graph neural network reads a new account’s environment to predict expression before any history exists.

    Inductive GNN Neighbourhood embedding Cold-start capable
    Output Risk Expression Probability 
    POST /v1/phenotype/express
{
  "risk_expression": 0.93,
  "account_age_days": 2,
  "expressed_trait": "bust_out_ring",
  "neighbourhood_hops": 3
}
  4. Marker 04 Gene splicing

    CRISPR Block

    Active defence layer

    Detection without intervention is archaeology. CRISPR Block is the response layer: instead of flagging a transaction for tomorrow’s queue, it returns a cut signal to your ledger before the money moves — excising the bad strand from the block.

    Inline decisioning Ledger cut signal Sub-10ms budget
    Output Cut · Hold · Pass 
    POST /v1/crispr/authorize
{
  "action": "cut",
  "latency_ms": 6.8,
  "basis": ["chimera", "vector"],
  "reversible_until": "T+0s"
}

Gene editing for your transaction ledger — excise fraud before it replicates.

04 — The platform

From event to excision

One pass over the strand. No queue, no warehouse, no overnight window.

01

Ingest

Events stream in from your core, KYC vendors and device SDK. Each becomes a node or an edge on the strand within microseconds — never a batch load.

event → strand.append()
02

Sequence

Helix resolves the entity against every marker it already holds, collapsing aliases and surfacing collisions the moment they appear.

helix.sequence(entity)
03

Express

Chimera, Vector Trace and Phenotype read the neighbourhood in parallel and return purity, contagion and expression in a single decision envelope.

suite.express(node) → scores
04

Excise

CRISPR Block returns cut, hold or pass inside your authorization call — with the full evidence path attached for your analysts and your regulator.

crispr.authorize(tx) → "cut"
0%

of synthetic identities in benchmark portfolios surfaced before first credit line.

0ms

median inline decision, measured at the authorization boundary.

0%

fewer false positives than velocity-rule baselines at equal catch rate.

0hops

of traversal depth available to every scoring call, in real time.

Figures from design-partner simulations on anonymised portfolios. Your mileage will depend on your strand.

05 — Early access

Sequence your own strand

We onboard a small number of design partners each quarter. Tell us what you’re seeing and we’ll come back with a read on where a live graph would change the outcome.

  • A working session on your fraud topology
  • Replay of your historical losses against the strand
  • Sandbox keys for all four APIs
  • No data leaves your perimeter during evaluation

Typical reply time — under two business days.

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