Real-Time Decisions for Every Transaction
Power instant payments, intelligent risk scoring, and AI-driven customer experiences on a unified data foundation built for millisecond performance at global scale.
Trusted by leading financial innovators
Instant authorization, real-time settlement, and embedded finance are eliminating batch windows. Every transaction must be scored, reconciled, and recorded in milliseconds. Systems built for overnight processing create operational friction and unnecessary exposure.
Fraud scoring falls behind transaction velocity
When transaction data moves between systems before being analyzed, risk models operate on delayed context, increasing fraud exposure and false declines.
What’s needed:
Millisecond data availability from event creation to model scoring without cross-system movement or replication.
Payment spikes overwhelm core systems
Peak traffic events and merchant promotions create extreme concurrency. Legacy systems degrade under load, slowing authorization and harming merchant relationships.
What’s needed:
Linear scale with predictable performance under thousands or millions of concurrent transactions and analytical queries.
Reporting affected by batch pipelines
Risk, treasury, and compliance teams rely on overnight feeds, delaying liquidity visibility and regulatory reporting. This slows decisions and increases capital inefficiency.
What’s needed:
Operational and analytical processing on the same live dataset without separate reporting stores.
AI pilots stall in production
Fraud models and customer copilots often run on copied or sampled data, limiting reliability and governance. This limits enterprise deployments.
What’s needed:
A unified, AI-ready foundation where structured, semi-structured, and vector data coexist under consistent governance.
Data duplication increases compliance risk
Multiple data copies across fraud engines, warehouses, and lakes create reconciliation challenges and audit complexity.
What’s needed:
Centralized, governed data access with transactional correctness and fine-grained security controls.
Unified transactions and analytics
Process payments, run fraud analytics, and power dashboards on the same live dataset, eliminating latency between operational events and insight.
Real-time ingest with instant queryability
Score transactions and update balances in milliseconds from event creation, reducing fraud exposure and improving customer experience.
High concurrency without performance degradation
Support thousands of merchants, customers, and AI agents simultaneously while maintaining consistent low-latency responses.
ACID-compliant at distributed scale
Guarantee financial-grade transactional integrity across nodes, ensuring payments, ledgers, and settlements remain accurate and auditable.
AI-ready data foundation
Run machine learning models and vector search directly on live operational data, enabling in-line fraud scoring and intelligent automation.
Built-in governance and security controls
Maintain role-based access, auditability, and data isolation without duplicating data across multiple systems.
Real-time fraud prevention
Fraud detection must happen within the authorization window. Traditional pipelines introduce delay between event capture and scoring. A unified, real-time engine evaluates behavioral signals, historical patterns, and model outputs instantly, reducing fraud loss while lowering false positives that frustrate legitimate customers.
Instant payment authorization
Payment processors and digital banks must approve or decline transactions in milliseconds under peak load. Systems that separate transaction capture from analytics struggle to maintain consistent latency. Unified processing enables reliable authorization, even during traffic spikes, preserving merchant trust and customer satisfaction.
Embedded finance & instant credit
Digital banks and fintech apps compete on experience. Fragmented customer data prevents consistent, contextual engagement. A unified data engine continuously updates behavioral and transactional context, enabling relevant offers, alerts, and financial insights during active sessions.
Live liquidity & treasury visibility
Treasury teams need continuous insight into cash positions and settlement flows. When reporting depends on delayed feeds, capital buffers remain higher than necessary. Real-time operational reporting provides up-to-the-minute liquidity visibility across payment rails and accounts.
Customer 360 & personalization
Digital banks and fintech apps compete on experience. Fragmented customer data prevents consistent, contextual engagement. A unified data engine continuously updates behavioral and transactional context, enabling relevant offers, alerts, and financial insights during active sessions.
Unified fraud, AML & real-time insights
Areeba is a financial services innovator spun out of Bank Audi that now supports multiple banks across the Middle East and Africa as a payment gateway and loyalty program partner. Facing growing demands for real-time fraud detection, anti-money-laundering (AML) compliance, and personalised customer experiences, Areeba chose SingleStore for its ability to provide fast operational analytics on continuously updated data — a leap beyond legacy batch processing and relational systems.
Key impact and outcomes:
Scales operational analysis across hundreds of millions of authorizations spanning years of payments data.
Handles Areeba’s largest table (~100 GB) with both memory and disk storage for performance.
Supports combined fraud detection and AML workflows with Apache Spark, improving responsiveness over traditional systems.
Enables future real-time decisioning to catch illicit activity and personalise offers as transactions occur.
“SingleStore is helping Areeba cover all our operational analytical needs.” - Elie Soukayem, Director of Data and Analytics at Areeba
Faster risk decisions
Reduce fraud loss and false positives by scoring every transaction against live context within the authorization window.
Revenue growth
Enable instant credit, dynamic pricing, and personalized offers that increase approval rates and customer lifetime value.
Architectural simplification
Consolidate transactional, analytical, and AI workloads into one platform, reducing infrastructure sprawl and integration overhead.
Scalable innovation
Support new payment products, embedded finance models, and AI-driven experiences without re-architecting the data stack.
Stronger governance
Maintain consistent, auditable data across operations and reporting to satisfy regulators and enterprise compliance standards.
Build Real-Time Intelligence Into Every Transaction
Transform payments, risk, and customer experience with a unified, AI-ready data foundation designed for millisecond performance.