The client sends transaction events, and Xavionis returns risk context, a decision, and explainable factors shaped by repeated activity and behavioral sequence context.
Xavionis does not require a full payment-architecture rebuild. At the start, the product is connected as a limited decision layer on top of the existing event flow.
{
"api_key": "client_xxx",
"user_id": "user_repeat_42",
"amount": 900,
"currency": "RUB",
"event_type": "renewal",
"timestamp": "2026-03-16T21:12:19Z"
}
{
"risk_score": 83,
"decision": "REVIEW",
"factors": [
"repeat_attempt_burst",
"renewal_instability",
"sequence_escalation"
]
}
Amount, event type, and event timing.
Related actions grouped inside a short window.
Burst behavior, retry series, and accumulation.
renewal, subscribe, cancel, retry, and the transitions between them.
Previous decisions inside the same sequence.
Factors that can be used for reporting and review workflows.
Xavionis can be added as a limited contour on top of your existing decision logic. This makes it possible to validate sequence-aware usefulness without a full replatforming effort.
If you have a recurring environment, repeated attempts, review-heavy cases, and sequences that do not fit isolated-transaction logic, it makes more sense to start with a focused technical discussion and limited pilot integration.