Pillar · TAL
Transaction Adjudication Layer
Decide before the money moves.
TAL reviews each transaction before execution using sender and receiver risk intelligence. Institutions approve, reject, delay or escalate under their own policy thresholds, and outcomes feed back to improve every model.
Capabilities
- Pre-execution evaluation within seconds
- Approve, monitor, step-up, escalate, reject
- Institution-controlled policy thresholds
- Reason codes and counterfactuals
- Immutable audit of each decision
- Closed-loop learning
How it works
- The transaction is held and queried against CSDFCRIF intelligence
- Entity risk, hygiene and graph signals are correlated
- The composite score meets the institution’s policy
- The decision is returned and anchored to the ledger
What is novel
- Pre-execution rather than post-incident
- Both sender and receiving-institution posture are considered
- Feedback from each outcome tunes CHPE and the models