Anton Payments
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The triad

Three peer systems. Same event.
Three independent verdicts.

Anton Intelligence is built around three peer evaluators. Each is first-class. None is subordinate. They fire in parallel on every event — every onboarding, every transaction, every payee, every instrument, every overnight monitoring pass.

Sentinel

The Witness

Regulatory truth · entity graph

Screens every counterparty, instrument, and identity against the global watchlist universe and a 180M-actor canonical entity graph. Speaks the language of governments.

  • Sanctions lists across every jurisdiction Anton serves
  • PEPs, RCAs, and political-exposure tiering
  • Crime, wanted, debarment, export-control topics
  • Crypto wallet addresses on regulatory blocklists
returnsmatch_score, topics[], entity_id, snapshot_version, source_datasets[]

Brain

The Judge

AI evaluation · pattern recognition

The reasoning peer. Reads the full context of an event — merchant history, payee patterns, instrument behavior, narrative signals — and renders judgments no rules engine could.

  • Multimodal context evaluation
  • Anomaly detection across merchant, payee, and corridor
  • Pattern recognition no rule can encode
  • Adverse media interpretation and entity linking
returnsjudgment, confidence, reasoning, signals[], model_version

Engine

The Arbiter

Deterministic rules · velocity · risk

The deterministic rules peer. Every velocity threshold, every corridor risk weight, every policy feature combination runs here. Reproducible, fast, fully explainable.

  • TRS — Transaction Risk Score, per-event
  • ORS — Onboarding Risk Score, per-merchant
  • 24+ velocity rules with rolling windows
  • Corridor, instrument, payee risk weighting
returnsrules_fired[], feature_vector, threshold_band, recommendation

Event

One normalized event is sent to every peer evaluator in parallel.

Peers

Sentinel, Brain, and Engine return independent verdicts.

Synthesis

The orchestrator resolves those verdicts into one decision.

Sees regulatory truth.

Sentinel anchors the event against watchlists, PEPs, sanctions, and graph evidence.

Reasons over context.

Brain evaluates coherence, behavior, narrative signals, and patterns no rule can encode.

Applies policy.

Engine turns deterministic rules, velocity, thresholds, and controls into a reproducible verdict.