Every transaction analyzed.Fraud blocked.Before impact.

9:42 AM on a Saturday. The CFO gets an SMS from the bank: 24 card transactions at the same Eastern European merchant, 4,800 euros total. Customer support is closed until Monday. The COO is on the road to a wedding. You realize in 30 seconds that one of your B2B accounts has been compromised for three days without anyone noticing, the fraud slid under every static threshold. The chargebacks will land in 45 days, and with them the letter from the processor: if this happens again, they cut acquiring. The worst part: it's the fourth time this quarter.

The LexisNexis 2024 True Cost of Fraud report puts the real cost at $4.45 for every $1 lost, including chargebacks, investigation fees, internal time and customer churn. Juniper Research projects global e-commerce fraud will reach $362B by 2028. And 78% of static (rule-based) fraud rules are bypassed within 6 months by organized rings, Visa Risk Report, 2025.

Wikolabs installs AI systems built on open-source models, on your premises, paid once. No black box: your data, your prompts and your history stay in your infrastructure. We quote at a fixed price or on time and materials, never per ticket or per token, and we say before you sign what works and what does not yet.

Concretely: SDK plugged into your payment gateway in 2 hours, calibration on your history in 48 hours, and from day 3 every transaction is analyzed in under 50ms. The AI models normal behavior for each user, detects deviations in real time and blocks without friction for legitimate customers. Documented result: 99.2% accuracy, −87% on losses, real-time risk dashboard for your risk team.