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Finic open-sources Kairos fraud decisioning with agent tuning
Finic published Kairos on GitHub as Apache-2.0 software for real-time fraud and risk decisions, pairing coding-agent workflows over MCP with its Grayson model and traditional ML, according to the repository.
- New headline Was: “Show HN: Kairos – Open-source risk and fraud decisioning platform”
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Finic published Kairos, an open-source platform for real-time fraud and risk decisions, in the finic-ai/kairos GitHub repository under the Apache License 2.01.
The README says a single call can return approve, step up, review or block, with a risk score and supporting signals drawn from a subject's history, linked devices, cards and addresses, and the session1.
The company describes Kairos as covering ground similar to commercial fraud tools, with two differences it highlights: coding agents can tune the system, and decision models can score requests before large labeled datasets exist1.
According to the repository, agents such as Claude Code, Cursor or Codex connect over an MCP server to define workflows, propose model variants, let Kairos train and test them, and apply a winner1.
Kairos is built around Grayson, Finic's decision model that answers plain-language questions with calibrated probabilities, the README says, and those answers can be used as features next to numeric fields in logistic regression or gradient-boosted trees trained in the product1.
Developers are offered TypeScript and Python SDKs, a CLI, an HTTP API and Docker self-hosting, plus a hosted service at kairos.finic.ai; Shopify and inbound webhooks, including from Stripe, are listed as integrations1.
The GitHub account shows the repository was created Oct. 30, 2026. Independent verification of production use, model quality or comparison with commercial vendors is not in the source1.
