T256 · Cat-21 · Real-Time Payments · Operations & Compliance CAT-21 SUB-SECOND SCOPE

Real-Time Payment Fraud Velocity Rule Builder

Configure and validate fraud velocity rules within the sub-second RTP authorisation window (250ms–1,000ms). Covers mule account detection, reverse-push/refund patterns, velocity thresholds across FedNow, RTP/TCH, PIX, and Faster Payments, plus rule conflict detection. Outputs structured rule pseudocode, latency budget waterfall, and a Policy Mandate JSON RTP fraud policy.

FedNow · RTP · PIX · FPS 250ms–1,000ms Window Rule Conflict Detection Policy Mandate Export Client-side · Zero PII v1.0

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Scope: sub-second authorisation window only. This tool configures rules that execute within the RTP payment authorisation path (250ms–1,000ms latency). For A2A invoice velocity and merchant threshold rules, see Tool 05. For post-payment fraud investigation and SAR narrative generation, see Tool 80 and T121.

Configuration 0 rules

Target Rail

Latency Budget (ms)

Budget Used 0 / 500 ms

Rule Type

Lookback Window

Customer Risk Tier

Max Count

Max Amount ($)

Rule Action

Scope & reliance — 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. Embedded rates, thresholds, and regulatory citations are static reference values that may age — verify against current primary sources and your own data before relying on any output for commercial, legal, or compliance decisions. Deterministic logic · no inference · zero PII · CC BY 4.0.

Rule Set Output

🛡️

Add rules to your set and click
Generate Rule Set to see
pseudocode and latency analysis