CAP-038 — Real-time fraud scoring & block

Category	Security & trust
Business goal	Not yet linked to a business goal
Satisfying module	MOD-023 Transaction fraud scorer
Mode	GATE
BD owner	BD07 Financial Crime
Human needed	No

Every payment instruction is scored for fraud risk in real time before posting. Instructions exceeding the fraud score threshold are blocked before the transaction reaches the ledger — not reversed after posting. The fraud scorer evaluates velocity, merchant risk, device fingerprint, and behavioural anomaly signals simultaneously within the payment processing path.