
VIVL is an AI-powered fraud detection system that optimizes how financial institutions handle transaction monitoring. By combining deterministic risk scoring with Google Gemini, VIVL achieves a new level of efficiency in fraud prevention. The system automatically approves low-risk transactions and blocks obvious fraud cases, freeing human fraud analysts from routine work. Medium-risk transactions are flagged for expert review with comprehensive investigation packs that include risk signals, transaction history, behavioral patterns, and AI-generated hypotheses. This human-in-the-loop approach ensures specialists focus their expertise where it matters most—analyzing complex edge cases that require nuanced judgment. Every decision VIVL makes is explainable and auditable. The system provides detailed rationales, risk scores, and evidence chains, creating a complete audit trail for regulatory compliance. Built with FastAPI and Next.js, VIVL integrates seamlessly into existing payment infrastructure as an intelligence layer without replacing core systems.
7 Feb 2026