Finic launches Kairos, an open‑source fraud decisioning platform

Ayan from Finic announced the release of Kairos, an open‑source platform for real‑time risk and fraud decisioning. The service is positioned as an alternative to existing commercial solutions such as Sift and Sardine and is intended to address two major challenges faced by traditional decisioning tools: a shortage of labeled data for model training and the rapid adaptation of fraudsters to detection logic.

Kairos combines System One decision models with conventional machine‑learning techniques like XGBoost and logistic regression, enabling the use of plain‑language queries (for example, checking if an email is disposable) and handling unstructured fraud indicators that can be difficult for standard models. The platform also provides an MCP server that lets agents such as Claude Code, Cursor, or Codex define decision workflows, train models on supplied data, and automatically select the best‑performing variant. Kairos can be self‑hosted with Docker or accessed as a hosted service at https://kairos.finic.ai.