One AI Risk Engine for Cross River's Boldest Builders
Cross River powers infrastructure for neobanks, digital lenders, and merchant acquirers. Oscilar gives you a unified fraud, credit, and compliance layer that keeps pace with every partner you onboard.
Your partners move fast. Your risk decisioning should too.
Cross River serves some of the most ambitious fintechs and platforms in the market. Oscilar replaces fragmented point solutions with a single AI-native engine — fraud, KYC, AML, and credit underwriting in under 100ms.
Built for sponsor bank complexity at scale
From gaming platforms to institutional credit investors, every partner vertical brings unique risk profiles. Oscilar's agentic AI adapts per-program with 80+ data integrations, 1,000+ identity signals, and fully explainable decisions for examiners.
Fraud Defense
Payment fraud, account takeover, first-party fraud, and scam detection — all powered by specialized AI agents that learn from your institution's data, not generic models.
Onboarding & KYC
Consumer, business, and merchant onboarding with cognitive identity intelligence — 99.99% accuracy from 1,000+ behavioral and device markers. 3x faster onboarding, proven at scale.
Credit Underwriting
AI-driven credit decisioning for consumer and business lending. Portfolio monitoring, collections optimization, and risk-based pricing — all from a single model layer.
AML & Compliance
Automated case management, intelligent alert routing, and explainable AI summaries that satisfy regulators. Built for the 2026 NACHA fraud rule changes and beyond.
Agentic AI Workflows
Build risk workflows in plain English. Oscilar AI autonomously chains data-fetch, scoring, and escalation — with human-in-the-loop approval and full backtesting.
Network Intelligence
Graph analytics across devices, IPs, phone numbers, SSNs, and crypto accounts. See the connections fraudsters hide — before they move money.
Describe risk policy in plain English, deploy in minutes
Oscilar's agentic workflows let your risk team define rules in natural language, backtest against live data, and go live with human-in-the-loop approval — no engineering sprint required. 30B+ decisions processed annually at 120K requests per second.
-
01
Connect your data
Plug into your core banking, payment processor, and identity providers. 80+ integrations out of the box — or bring custom data via API.
-
02
Build your risk logic
Use the no-code workflow builder or describe what you want in plain English. Oscilar AI translates intent into executable risk policies with full backtesting.
-
03
Go live at scale
Process 120,000 decisions per second at under 100ms latency. Every decision is explainable, auditable, and compliant — from day one.
See how Oscilar protects Cross River and its partners
SoFi saw a 30% processing speed increase. Nuvei cut manual underwriting time by 50%. Let's show you what consolidated risk decisioning looks like for a bank that operates as a platform.
Request a demo