ANIMA/KERNEL

Every payment decision,
cryptographically attested

Tamper-evident audit trails for fraud, SCA, routing, and settlement — in under 4ms, with zero PCI scope.

Business overview · April 2026

01 · the problem

Payment decisions are opaque,
disputes are manual, reconciliation is broken

$40B

Annual global chargeback losses. Merchants can't prove what happened at auth-time.

3 weeks

Average time to assemble a dispute evidence pack. Analysts manually reconstruct decisions.

4 parties

Acquirer, processor, network, issuer — each maintains separate ledgers. Reconciliation is spreadsheet-based.

02 · the solution

Sign every decision at auth-time.
Prove everything at dispute-time.

Anima Kernel sits in the auth path and emits EIP-712 attestation capsules — typed, Merkle-committed, PCI-free.

// capsule · signed in 3.4ms

{

"type": "fraud_decision",

"score": 0.91,

"outcome": "DECLINE",

"merkle_root": "0xa1b2…2345",

"pci_scope": "∅"

}

03 · how it works

The attestation pipeline

Feature capsule

Hash the 412-dim feature vector. No raw data leaves.

0.42ms

Model capsule

Forward pass, seed-locked. Score + threshold + version attested.

1.18ms

Reason capsule

Top-k SHAP features → reason codes (F14, F22).

2.04ms

Sign & commit

EIP-712 signed by HSM. Committed to Merkle tree.

3.41ms total

fits inside 200ms card-auth window

04 · product surfaces

Four surfaces, one attestation contract

Fraud Decision Audit

Stream decisions, replay any one, verify Merkle proofs, build CE 3.0 evidence packs in 43 seconds.

replay · proof · export

SCA / 3DS Attestation

Authentication chain from AReq to CAVV. Per-method analytics. Liability shift proofs signed at challenge-time.

passkey · ECI · liability

Routing Orchestration

Cascade scoring with signed routing decisions. Counterfactual analysis and attested cost savings.

cascade · savings · ruleset diff

Settlement Threshold Gate

M-of-N multi-party signing with cross-party Merkle root comparison. O(1) batch reconciliation.

4 parties · threshold · reconcile

3/3 threshold met RECONCILED

05 · by the numbers

Performance at payment scale

3.4ms

Full capsule chain p99

1.7% of 200ms SLA

∅

PCI scope

hash-only · token-only

43s

CE 3.0 pack assembly

down from 3 weeks

−62%

Dispute losses

avg across customers

O(1)

Batch reconciliation

1,204

Attestations/sec

Regulatory exports

Visa, MC, PSD2, CFPB, AI Act, eIDAS

312d

Uptime

zero attestation loss

06 · market

The attestation layer
for digital payments

$8.4T

Global digital payment transaction volume (2025). Every transaction is a decision that could be attested.

$2.1B

Addressable market: payment fraud tooling + dispute ops + settlement infrastructure.

Issuers

fraud + SCA

Acquirers

settlement

Processors

routing + audit

Merchants

disputes + CE 3.0

Fintechs

compliance

Regulators

AI Act + PSD2

07 · pricing

Usage-based. Start free.

STARTER

Free

10K attestations/mo

→ Ephemeral signing
→ Fraud attestation
→ Basic replay

PRO

$0.002

per attestation

→ HSM signing (shared)
→ All 4 surfaces
→ CE 3.0 export
→ Auditor mode

ENTERPRISE

Custom

volume pricing

→ Dedicated HSM
→ M-of-N settlement
→ Sync ledger
→ Key ceremonies
→ All regulatory exports

Start attesting in minutes

10,000 free attestations per month. No HSM required to begin.
Upgrade when you need threshold signing and multi-party settlement.

Deploy kernel → Read the docs →

Every payment decision,cryptographically attested

Payment decisions are opaque,disputes are manual, reconciliation is broken

Sign every decision at auth-time.Prove everything at dispute-time.