asqary.

Know why a transaction is risky, not just that it is.

Built for Nigerian digital lenders. Asqary scores every transaction from 0 to 100 and tells you what to do with it. Rules are deterministic, policies are versioned, and every score comes with the reasons behind it.

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POST /v1/score201 Created
Risk score
74
high
manual_review
  • amount_anomaly
    Amount is 10.0× the customer's typical amount
    +25
  • new_device
    First transaction from this device
    +20
  • new_beneficiary
    Beneficiary account not seen before
    +15
  • transaction_velocity
    4 transactions in the last 10 minutes
    +14

One request, one decision

01

Hash and send

Hash identifiers on your side and POST the transaction to /v1/score.

02

Get a decision

Receive a score, risk level, confidence and recommended action in the response.

03

Tune and learn

Adjust rule weights, backtest the change, and feed back outcomes as they land.

curl -X POST https://api-staging.asqary.com/v1/score \
  -H "Authorization: Bearer asq_live_…" \
  -H "Content-Type: application/json" \
  -d '{ "transaction": { "id": "loan_1001", "type": "loan_disbursement",
                         "amount": 5000000, "currency": "NGN",
                         "occurred_at": "2026-09-27T10:15:00Z" },
        "customer":    { "id_hash": "<hmac-sha256>" } }'

Built to be audited

No black box. Scores come from a configurable rule library, so you control the weights and can see exactly what drove each result.

Every score comes with reasons

Each decision lists the rules that fired and how many points each contributed, so your risk team can explain and defend every outcome.

Versioned policies

Policies are immutable and versioned. Every decision records the exact version that produced it, so any result can be reproduced later.

Backtest before you ship

Replay historical transactions against a draft policy and see what would have changed before it touches a live decision.

Identifiers stay yours

Customers, devices and accounts are sent as HMAC hashes made with a key only you hold. Raw BVNs and phone numbers never reach Asqary.

Signed webhooks

Get notified when a backtest finishes or a policy changes, with signed deliveries you can verify.

Starter rule library

  • Transaction velocity
  • Amount anomaly
  • New device
  • New beneficiary
  • Rapid activity
  • Device change
  • Geographic anomaly
  • Unusual time

Start scoring in test mode

Sign in with an email link. No password, and test and live data never mix.

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