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When automation is ready to send a payment

The final decision
before payment

When AI and automation are ready to send a payment, Froddy makes the final decision: allow, hold, block, or escalate.

Decision point between automation and execution
Decision based on current context — not fixed rules
Unified log: what passed, what was held, what was blocked, what was escalated
Show us your process How it works ↓
01

AI or automation

drives the operation toward execution

→
02

Froddy

makes the final decision

→
03

Execution

only when allowed

Why now

AI no longer just recommends — it initiates actions that move money

Automation and programmatic processes increasingly route and drive operations toward execution. Before a payment is sent, companies need a separate decision point.

AI initiates, not just recommends

AI no longer just advises — it independently triggers actions that result in money movement. The closer AI gets to the payment, the more critical the final decision before it.

Automation drives operations toward execution

ERP, billing, and programmatic processes increasingly route and initiate transfers without manual involvement. Scenarios change faster than rules can keep up.

No separate decision point before payment

Systems know how to execute a payment. Making an accountable decision before it — not every system does. That's the gap Froddy closes.

For example

A process is ready to send a payment for an invoice — but the recipient is new or the payment details have changed. Someone needs to make the final decision on this specific operation before the money moves.

Decision point

Froddy makes the final decision before payment

AI and automation drive the operation toward execution. Froddy makes the final decision. Execution waits for the answer.

AI, automation, or process drives the financial operation toward execution
↓
Froddy makes the final decision before payment
↓
✓
Allow
⏸
Hold
✕
Block
→
Escalate

Froddy works over existing infrastructure — no bank or payment processor replacement needed.

Froddy — the decision point between automation and payment execution.

↓
Fewer erroneous payments
Decision before execution — the error never reaches the network
↓
Less manual review
Edge-case operations go to the log, not to email
↑
Faster automation
Without losing control before payment

Static rules and AI context

Rules work until something changes

Fixed rules work while the process is stable. As soon as AI and autonomous automation appear near payments, they have to be rewritten.

Internal rules

Work well while the scenario stays stable — one type of recipient, predictable amounts, fixed route.

→

As soon as AI or automation changes the context — rules in ERP or code must be rewritten manually.

→

The closer AI and automation get to the payment, the faster fixed logic becomes outdated.

Froddy

Evaluates current context at the moment of decision — not a single fixed threshold.

Decision parameters can be changed without touching payment code.

A separate decision layer — independent of the initiating system.

Froddy is useful where AI and automation are already approaching payment — and where maintaining a separate decision layer is more practical than constantly rewriting rules.

Operation context

Decision based on current context before payment

Not a single fixed threshold — a combination of signals at the moment of the operation.

new or unusual recipient non-standard amount or frequency payment details changed recently route, country, or currency changed existing risk signal for the operation action requires manual review unusual combination of fields

Not a single fixed threshold. Decision based on the full current context before payment.

Decision log

Unified decision log

Every operation is a record: what was checked, what decision was made, and why. History helps refine rules without changes to payment code.

Decision log last 8
Operation IDrecipientamountdecision
act_00415 entity_047$2,800 allow
act_00414 entity_012$12,400 hold
act_00413 entity_047$12,400 block
act_00412 entity_003$780 allow
act_00411 entity_047$6,500 allow
act_00410 entity_003$1,830 allow
act_00409 entity_012$43,200 hold
act_00408 entity_091$4,100 allow
One place for all decisions

All verdicts, reasons, and statuses in one log. No need to piece together history from multiple systems.

History helps refine rules

Accumulated decisions help refine rules over time — without changes to payment code.

Minimal data

Anonymous IDs and amounts only. Personal data, card numbers, and CVV are not required.

Where it's needed first

Where Froddy is needed first

AI in invoice approval and AP workflows
AI and automation are moving closer to invoice approval. The cost of a mistaken payment is real.
AI in procurement and spend management
Processes are getting faster and more autonomous. Manual review slows things down, but removing the last control is risky.
AI near payouts and treasury execution
The closer AI and automation get to sending a payment, the more critical the final decision before payment.
Also applicable The same logic applies to crypto payment flows — where a transfer is irreversible after execution and the decision must be made before sending. Froddy sits over the existing process as the final decision layer regardless of rail type.

Safe rollout

No infrastructure replacement

How it works safely

Fail-open. If Froddy doesn’t respond in time, the flow proceeds normally. Froddy doesn’t control execution — it only returns a decision.

You handle the response. What to do with the verdict is up to you. Froddy only returns the decision.

Minimal data. Anonymous IDs and amounts only. Personal data, card numbers, and CVV are not required.

What Froddy is not
≠Not a bank or PSP. Doesn’t send money or manage payment routes.
≠Not anti-fraud or KYC/AML. Evaluates the operation in context, not the identity of the payer.

How Froddy rolls out

1

Shadow mode. Froddy receives operations, evaluates them, and writes the log. Execution is not affected. You can see how Froddy performs on real traffic.

2

Verdicts in the flow. The team sees Froddy’s decisions alongside how operations are currently handled. This is the calibration point — you compare and refine. Final execution stays in your system.

3

Decision layer. Once the scenario is calibrated, Froddy becomes the final decision point before payment. Execution waits for the verdict.

No need to put Froddy in the critical path on day one. Start with observation and calibration, then move to final decisioning before payment.

Pilot

Start with one process

Start with one process. Connect via API or webhook. Works over your existing infrastructure — no bank or payment processor replacement.

1

One process

Choose one process where AI or automation already approaches payment.

2

API or webhook

Connect over existing infrastructure — no bank or payment processor replacement.

3

Visible immediately

What passed automatically, what was held for review, what was blocked, what was escalated.

4

Decision history

Improves control over time without changes to payment code.

What you need

One process where AI or automation already approaches payment · API or webhook · A designated owner

What you see immediately

What passed automatically · What was held for review · What was blocked · What was escalated

If you have questions

Frequently asked questions

How is Froddy different from anti-fraud?
Anti-fraud checks the payer and looks for fraud. Froddy evaluates the operation itself in current context — before money is sent. It returns a decision: allow, hold, block, or escalate. Different tasks, different layers.
Do we need to replace our bank or payment processor?
No. Froddy works over existing infrastructure. Bank, processing, crypto wallet, and routing stay unchanged.
Do we need to put Froddy into the critical path immediately?
No. Teams usually start in shadow mode: Froddy receives operations, evaluates them, and writes the log — without affecting execution. Then the team compares Froddy’s verdicts with how operations are currently handled. The transition to final decisioning happens after calibration, when ready — not on day one.
How long does the first connection take?
We start with one scenario. Connection via API or webhook. Speed depends on your release cycle. One owner and about 30 minutes a week is enough to start.
Does this only apply to fiat payments?
No. The same logic applies to crypto payment flows — including transfers in bitcoin, stablecoins, and other digital assets where a mistake after execution is hard to fix or impossible to reverse. Froddy makes the decision before sending, regardless of the payment rail.
How does Froddy fit into the current payment flow?
Before execution, your system sends a request to Froddy. Froddy evaluates the operation and returns a decision: allow, hold, block, or escalate. Execution waits for the answer.
Does Froddy logging slow down payment execution?
No. Froddy returns a decision synchronously. The decision log is available in real time.

The final decision before payment

Show us the process where AI or automation already approaches payment. No infrastructure replacement needed.

Show us your process
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