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PCI DSS v4.0 Ready • SOC 2 Type II Observation In Progress • GDPR-Ready

API Security for FinTech
Banking-Grade Protection

The AI Security Layer for financial services: SHA-256 hash-chain audit for SOC 2 CC7.2 + PCI DSS Req 10.5, PII / PAN auto-redaction, adaptive Z-score circuit breaker, and pre-mapped requirements across 300+ PCI controls. All 4 platforms from $299/mo.

PCI DSS v4.0 Ready (300+ reqs mapped)
Tamper-evident hash-chain audit
GDPR-Ready (Articles 5/17/32)
ISO 27001 aligned (93 Annex A)
300+
PCI DSS v4.0 requirements mapped
7-year
audit retention (84-month WORM)
CC7.2
SOC 2 hash-chain control evidence
Sub-5ms
gateway proxy overhead (cached)
4-dim
Zero Trust risk score (impossible travel)
1,700+
threat patterns across 24 categories
BYOK
KMS / HSM key custody (PCI 3.5)
99.9%
Enterprise SLA · 1-hr P1 response

Financial API Threats We Stop

Proactive protection against the most common attacks targeting payment and banking APIs

Card Testing Attacks

Attackers test stolen credit cards via rapid-fire payment API requests. Sliding-window rate limit per BIN + adaptive Z-score breaker flag burst patterns before authorization is attempted.

Prevention: Rate limiting per card BIN, velocity checks, behavior analysis

Account Takeover

Credential stuffing and brute force attacks against banking logins. Zero Trust risk scoring flags ≥5 failed attempts/hr (+30 points) and impossible travel (+50 points) — over 80 triggers step-up MFA.

Prevention: Login rate limiting, IP reputation, device fingerprinting

Transaction Manipulation

Parameter tampering to modify amounts, recipients, or currency. Schema validation, parameter pollution detection, and HMAC signature verification block tampered payloads at the gateway.

Prevention: Schema validation, parameter pollution detection, HMAC verification

Four Platforms for FinTech

API Security + MCP Security + AI Gateway + Verification Engine — unified under one correlation ID for financial workloads

API Security

PCI-DSS Compliance

Pre-mapped to PCI DSS v4.0 across 300+ requirements. Cross-framework sync means a SOC 2 control automatically contributes evidence toward PCI where they overlap.

  • Req 6.5: Input validation & XSS prevention
  • Req 6.6: WAF-equivalent protection
  • Req 11.4: Intrusion detection & logging

MCP Security

AI Fraud Agents

Secure AI agents that analyze transactions for fraud. Every tools/call passes 7 sequential checks — permission, MFA, rate limit, rug-pull (SHA-256 drift), threat detect, forward, response scan — before touching customer data.

  • Prompt injection detection for AI fraud models
  • Tool call monitoring (database, customer lookups)
  • Granular permissions per AI agent

AI Gateway

Risk Scoring

Route LLM calls for credit risk scoring, loan underwriting, and fraud analysis. Adaptive Z-score circuit breaker (statistical, not threshold) for failover; PII / PAN scrubbing before LLM processing.

  • Multi-provider routing (OpenAI, Anthropic, etc.)
  • Automatic failover for critical risk decisions
  • Cost tracking per model and use case

Verification Engine

4 Validation Layers

Validate every AI-driven risk decision before it moves money or denies an applicant. Real-time enforcement with staged rollout; BLOCK-capable on selected critical paths.

  • PII / PAN masking + forbidden-phrase constraints
  • Source grounding (hallucination detection on AI rationales)
  • Structural validation (JSON schema, regex)

Financial-Grade Security Features

Built for banking, payments, and crypto compliance. Every feature pre-mapped to financial regulatory standards.

Tamper-Evident Audit Logs

Every API request appended to a SHA-256 hash chain with all-zeros genesis block. Three verification levels (full / single / last-N) prove logs haven't been modified — satisfies SAR reporting and PCI Req 10.5.

  • Cryptographic proof of log integrity
  • 7-year retention for compliance
  • One-click audit report export
  • BSA/AML evidence collection

Transaction Velocity Monitoring

Detect suspicious transaction patterns: rapid transfers, unusual amounts, geographic anomalies. Block fraud before money moves with adaptive Z-score circuit breakers per endpoint.

  • Real-time velocity rules (10 txns/min = block)
  • Amount threshold alerts ($10K+)
  • Geo-fencing for high-risk countries
  • Structuring detection ($9,999 patterns)

Fraud Detection Rules

Pre-built rules for banking, payments, and crypto. Customize for your specific risk tolerance and regulatory requirements.

  • Impossible travel detection
  • Device fingerprinting & reputation
  • ML-powered anomaly detection
  • Custom rule builder interface

KYC/AML Compliance Engine

Automated KYC/AML checks at the API layer. Integrate with your existing identity verification providers seamlessly.

  • OFAC & sanctions list screening
  • PEP (Politically Exposed Person) checks
  • Document verification integration
  • Ongoing monitoring & re-verification

Real-Time Fraud Response

Automated incident response for fraud events. Block suspicious accounts, freeze transactions, and alert your team in real-time with configurable playbooks.

  • Auto-block on high-risk score
  • Transaction hold for review
  • Step-up authentication triggers
  • PagerDuty/Slack/webhook alerts

Regulatory Reporting

Automated report generation for regulatory filings. SAR, CTR, and CMIR reports pre-populated with API transaction data and ready for submission.

  • SAR (Suspicious Activity Report) auto-fill
  • CTR ($10K+) automatic flagging
  • FinCEN BSA E-Filing integration
  • State-level reporting templates

Every Tool Call Passes 7 Sequential Checks

Zero code changes to your payment APIs or AI fraud stack. Sub-5ms gateway proxy overhead on cached, single-region paths.

1
Permission check
RBAC: can this user/role access this account or transaction endpoint?
2
MFA verification
TOTP required for high-value transfers, treasury operations, and override paths
3
Rate limiting
Sliding-window check per BIN / per account, Redis-backed
4
Rug-pull verification
SHA-256 of tool definition vs. registered hash — block on drift
5
Threat detection
Scan tool arguments for injection patterns + PAN markers
6
Server forwarding
Execute via stdio subprocess, HTTP, or WebSocket transport
7
Response scanning
IndirectInjectionScanner blocks LLM-directed instructions in output
Audit log written
Hash-chain entry: arguments, response, decision, correlation ID (PCI 10.5)
Fail-closed quota state on Redis error • Per-key asyncio lock prevents TOCTOU races • 10 dedicated Prometheus metrics

5 Capabilities You Won't Find Anywhere Else

Not in Anthropic's MCP spec. Not in API gateways. Not in WAFs. Platform-level additions built for financial workloads.

01

OS-Level MCP Sandbox

Subprocess MCP tools execute inside a hardened Linux sandbox. RLIMIT_CPU/AS/NOFILE/NPROC, setsid() process-group isolation, capability dropping, per-tool egress filtering, and shell binaries removed.

modules/mcp/sandbox/executor.py — 934 LOC
02

Tool Definition Hash Registry

SHA-256 hash of every fraud-detection tool definition pinned at tools/list. On every tools/call, the cached definition is re-hashed and compared. Drift raises MCPRugPullDetectedError, blocks execution, publishes a CRITICAL event.

modules/mcp/tool_registry.py • Redis-backed
03

Adaptive Z-Score Circuit Breaker

Statistical, not threshold-based. Z-score > 3.0 against per-hour time-of-day baselines (markets open vs overnight). 4 overlapping sliding windows (1m/5m/15m/1h). Progressive recovery (10→25→50→100%).

gateway/ — 2,208 LOC combined
04

Cross-Pillar Correlation

Every event linked across all four pillars via shared correlation ID. One query: "Show me everything that happened from this transaction — across MCP + API + Gateway + Verification." Architecturally impossible when layers are separate products.

mcp_contexts • parent-child causal chain
05

Hash-Chain Audit System

SHA-256 genesis block, each entry signing the previous. Three verification levels (full / single / last-N). Tamper-evident evidence for SOC 2 CC7.2, PCI DSS Req 10.5, and SAR/CTR filing recordkeeping.

7 modules • 3,866 LOC combined
+

MCP Correlation Analyzer

Cross-session attack detection: 6-dimension risk score (max 110) across tool sensitivity, data volume, burst, denials, prior detections, and tool diversity. Catches coordinated multi-account fraud and 24h slow-and-low patterns.

MCPCorrelationAnalyzer — alert at score > 50

One Correlation ID. All Four Pillars.

A suspicious transaction event traces forward to the AI fraud-model tool call it triggered, the payment API response, and the verification check that caught any drift.

Customer
Session
Prompt
Fraud / Risk AI
Tool Call
Payment API
Response
Verification
Recorded in mcp_contexts for parent-child replay • Causal chain reconstruction in one query • Hash-chain entries are tamper-evident for SAR/CTR filing

FinTech Use Cases

Built for every type of financial service

Neobanks & Digital Banks

Protect account opening, KYC, transfers, and card issuance APIs from fraud and abuse.

APIs secured: /accounts, /kyc, /transfers, /cards

Payment Processors

Stop card testing, validate webhooks, and prevent payment fraud with real-time pattern detection.

APIs secured: /payments, /webhooks, /refunds

Cryptocurrency Exchanges

Prevent unauthorized withdrawals, detect wash trading, and secure trading APIs from manipulation.

APIs secured: /trades, /withdrawals, /deposits

Financial Platform Integrations

Seamless integration with payment processors, banking platforms, identity providers, and fraud prevention tools your team already uses.

Payment Processors

  • Stripe
  • Adyen
  • Square
  • PayPal/Braintree
  • Checkout.com

Banking Platforms

  • Plaid
  • Marqeta
  • Galileo
  • Unit
  • Synapse

KYC/Identity

  • Jumio
  • Onfido
  • Persona
  • Alloy
  • Socure

Fraud Prevention

  • Sift
  • Signifyd
  • Kount
  • Forter
  • Riskified

One-Click Stripe Integration

Connect G8KEPR to your Stripe account in seconds. Automatically secure all webhook endpoints, protect payment intents, and get real-time fraud alerts without code changes.

  • Webhook signature verification
  • Card testing attack prevention
  • Dispute/chargeback correlation
Integration Status
Stripe WebhooksSECURED
Plaid LinkSECURED
Sift Fraud SignalsACTIVE

Frequently Asked Questions

Common questions about G8KEPR for financial services

Is G8KEPR PCI-DSS compliant?

G8KEPR implements security controls aligned with PCI-DSS requirements 6.5, 6.6, and 11.4. We provide automated compliance reporting and evidence collection to support your QSA assessments. Formal PCI-DSS certification requires a Qualified Security Assessor (QSA) assessment, which is the customer's responsibility.

Our infrastructure undergoes annual penetration testing. All cardholder data environments are isolated and encrypted with AES-256.

How does G8KEPR handle payment data?

G8KEPR operates as a security proxy—we inspect API traffic for threats but don't store cardholder data (PANs, CVVs). Sensitive data is automatically detected and redacted from logs using our PCI-compliant tokenization.

For payment webhooks (Stripe, Adyen, etc.), we verify signatures and scan for replay attacks without accessing the underlying transaction data.

Can G8KEPR help with BSA/AML compliance?

Yes. G8KEPR provides transaction monitoring rules specifically designed for Bank Secrecy Act compliance. We detect structuring patterns ($9,999 transactions), velocity anomalies, and suspicious activity that may require SAR filing.

Our audit logs are designed to meet FinCEN recordkeeping requirements with 7-year retention and tamper-evident hash chains.

What latency does G8KEPR add to transactions?

G8KEPR adds less than 10ms of latency to API requests. Our edge network processes security rules at 200+ locations globally, ensuring minimal impact on transaction processing times.

For ultra-low-latency requirements (high-frequency trading, real-time payments), we offer dedicated infrastructure targeting sub-5ms routing overhead SLAs.

Do you support cryptocurrency exchanges?

Yes. G8KEPR protects cryptocurrency exchanges, wallets, and DeFi platforms. We have specific security rules for wash trading detection, withdrawal velocity limits, and wallet draining prevention.

We integrate with Travel Rule compliance providers and support blockchain-specific threat intelligence feeds.

What is your uptime guarantee?

G8KEPR targets 99.9% uptime with our multi-region architecture and automatic failover to ensure your payment APIs remain protected even during outages. Enterprise plans include SLA terms — contact sales for details.

We publish real-time status at status.g8kepr.com and provide 15-minute incident response SLAs for critical issues affecting financial services customers.

Audit Evidence, Built In From Day One

Every transaction event appended to a hash-chain audit log. Cross-framework sync — a SOC 2 control contributes evidence toward PCI, GDPR, and ISO 27001 where they overlap.

PCI DSS v4.0
300+ requirements
SOC 2 Type II
observation in progress
GDPR-Ready
Articles 5 / 17 / 32
ISO 27001
93 Annex A · aligned
BSA/AML
SAR + CTR auto-fill
NIST 800-53
1,000+ controls

"-Ready" / "aligned" reflect capability posture. PCI-DSS certification requires a Qualified Security Assessor (QSA) engagement on the customer's side; SOC 2 Type II observation in progress with external audit engagement H2 2026.

Protect Your Financial APIs

Join neobanks and payment platforms using G8KEPR to secure payment APIs, protect AI fraud detection agents, route risk-scoring LLMs, and map controls to PCI DSS v4.0 with documented evidence.

14-day free trial
No credit card required
PCI DSS v4.0 Ready