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PCI DSS v4.0 Ready • SOC 2 Type II Observation In Progress • GDPR-Ready

API Security for FinTech
Banking-Grade Protection

The AI Security Layer for financial services: append-only audit log for SOC 2 CC7.2 + PCI DSS Req 10.5, PII / PAN auto-redaction, adaptive Z-score circuit breaker, and pre-mapped PCI DSS v4 requirements (partial coverage). All 4 platforms from $399/mo.

PCI DSS v4.0 (55 controls mapped)
Append-only audit log
GDPR-Ready (Articles 5/17/32)
ISO 27001 aligned (93 Annex A)
55
PCI DSS v4.0 controls mapped
7-year
default audit-log retention
CC7.2
SOC 2 audit-log control mapping
Target: Sub-5ms
gateway proxy overhead (cached)
4-dim
Zero Trust risk score (impossible travel)
94,000+
labeled attack samples (24 categories)
AES-256-GCM
Application-level encryption of stored secrets
99.9%
Uptime target · 1-hr P1 (Enterprise)

Financial API Threats We Stop

Proactive protection against the most common attacks targeting payment and banking APIs

Card Testing Attacks

Attackers test stolen credit cards via rapid-fire payment API requests. Sliding-window rate limit per BIN + adaptive Z-score breaker flag burst patterns before authorization is attempted.

Prevention: Rate limiting per card BIN, velocity checks, behavior analysis

Account Takeover

Credential stuffing and brute force attacks against banking logins. Zero Trust risk scoring scores every login for ≥5 failed attempts/hr (+30 points) and impossible travel (+50 points) and logs elevated results; it does not yet trigger step-up MFA.

Prevention: Login rate limiting, IP reputation, device fingerprinting

Transaction Manipulation

Parameter tampering to modify amounts, recipients, or currency. Schema validation, parameter pollution detection, and HMAC signature verification block tampered payloads at the gateway.

Prevention: Schema validation, parameter pollution detection, HMAC verification

Four Platforms for FinTech

API Security + MCP Security + AI Gateway + Verification Engine — unified on one finding bus for financial workloads

API Security

PCI-DSS Compliance

Pre-mapped to PCI DSS v4.0 requirements. A control crosswalk maps SOC 2 controls to their overlapping PCI DSS requirements.

  • Req 6.5: Input validation & XSS prevention
  • Req 6.6: WAF-equivalent protection
  • Req 11.4: Intrusion detection & logging

MCP Security

AI Fraud Agents

Secure AI agents that analyze transactions for fraud. Every tools/call passes 7 sequential checks — permission, MFA, rate limit, rug-pull (SHA-256 drift), threat detect, forward, response scan — before touching customer data.

  • Prompt injection detection for AI fraud models
  • Tool call monitoring (database, customer lookups)
  • Granular permissions per AI agent

AI Gateway

Risk Scoring

Route LLM calls for credit risk scoring, loan underwriting, and fraud analysis. Adaptive Z-score circuit breaker (statistical, not threshold) for failover; PII / PAN scrubbing before LLM processing.

  • Multi-provider routing (OpenAI, Anthropic, etc.)
  • Automatic failover for critical risk decisions
  • Cost tracking per model and use case

Verification Engine

4 Validation Layers

Validate every AI-driven risk decision before it moves money or denies an applicant. Real-time enforcement with staged rollout; BLOCK-capable on selected critical paths.

  • PII / PAN masking + forbidden-phrase constraints
  • Source grounding (hallucination detection on AI rationales)
  • Structural validation (JSON schema, regex)

Financial-Grade Security Features

Built for banking, payments, and crypto compliance. Every feature pre-mapped to financial regulatory standards.

Append-Only Audit Logs

API requests are written to an append-only audit log, HMAC-SHA256 hash-chained per organization from a genesis hash derived from the deployment key, with full, single-entry and last-N verification. Authentication and domain events are also chained per tenant (all-zeros genesis, each entry HMAC-signed) and verified daily since 2026-09-13. Mapped to PCI Req 10.5.

  • HMAC-SHA256 chain verification: daily, since 2026-09-13
  • 7-year audit retention by default
  • One-click audit report export
  • BSA/AML evidence collection

Transaction Velocity Monitoring

Detect suspicious transaction patterns: rapid transfers, unusual amounts, geographic anomalies. Block fraud before money moves with adaptive Z-score circuit breakers per endpoint.

  • Real-time velocity rules (10 txns/min = block)
  • Amount threshold alerts ($10K+)
  • Geo-fencing for high-risk countries
  • Structuring detection ($9,999 patterns)

Fraud Detection Rules

Pre-built rules for banking, payments, and crypto. Customize for your specific risk tolerance and regulatory requirements.

  • Impossible travel detection
  • Device fingerprinting & reputation
  • ML-powered anomaly detection
  • Custom rule builder interface

KYC/AML Compliance Engine

Automated KYC/AML checks at the API layer.

  • OFAC & sanctions list screening
  • PEP (Politically Exposed Person) checks
  • Ongoing monitoring & re-verification

Real-Time Fraud Response

Automated incident response for fraud events. Block suspicious accounts, freeze transactions, and alert your team in real-time with configurable playbooks.

  • Auto-block on high-risk score
  • Transaction hold for review
  • Step-up authentication triggers
  • PagerDuty/Slack/webhook alerts

Regulatory Reporting

Automated report generation for regulatory filings. SAR, CTR, and CMIR reports pre-populated with API transaction data and ready for submission.

  • SAR (Suspicious Activity Report) auto-fill
  • CTR ($10K+) automatic flagging
  • State-level reporting templates

Every Tool Call Passes 7 Sequential Checks

Zero code changes to your payment APIs or AI fraud stack. Target: Sub-5ms gateway proxy overhead on cached, single-region paths.

1
Permission check
RBAC: can this user/role access this account or transaction endpoint?
2
MFA verification
TOTP required for high-value transfers, treasury operations, and override paths
3
Rate limiting
Sliding-window check per BIN / per account, Redis-backed
4
Rug-pull verification
SHA-256 of tool definition vs. registered hash — block on drift
5
Threat detection
Scan tool arguments for injection patterns + PAN markers
6
Server forwarding
Execute via stdio subprocess, HTTP, or WebSocket transport
7
Response scanning
IndirectInjectionScanner blocks LLM-directed instructions in output
✓
Audit log written
Audit record: arguments, response, decision, correlation ID (PCI 10.5)
Fail-closed quota state on Redis error • Per-key asyncio lock prevents TOCTOU races • 10 dedicated Prometheus metrics

5 Capabilities You Won't Find Anywhere Else

Not in Anthropic's MCP spec. Not in API gateways. Not in WAFs. Platform-level additions built for financial workloads.

01

Hardened Local MCP Servers

MCP servers the proxy launches locally (stdio, off unless the operator sets MCP_STDIO_SERVERS_ENABLED) run in their own session (setsid), drop to nobody if started as root, and get no-new-privs, ambient capabilities cleared and RLIMIT_AS/FSIZE/NOFILE/NPROC ceilings. Remote (HTTP) servers are proxied and inspected, not sandboxed, and network egress is not filtered.

modules/mcp/interceptor_transport.py — _proxy_preexec
02

Tool Definition Hash Registry

SHA-256 hash of every fraud-detection tool definition pinned at tools/list. On every tools/call, the cached definition is re-hashed and compared. Drift raises MCPRugPullDetectedError, blocks execution, publishes a CRITICAL event.

modules/mcp/tool_registry.py • Redis-backed
03

Adaptive Z-Score Circuit Breaker

Statistical, not threshold-based. Z-score > 3.0 against per-hour time-of-day baselines (markets open vs overnight). 4 overlapping sliding windows (1m/5m/15m/1h). Progressive recovery (10→25→50→100%).

gateway/ — 2,208 LOC combined
04

Cross-Pillar Correlation

Findings from all four pillars land on one threat-event bus. A compound correlator groups them in 5-minute windows by correlation ID and by organization + client IP, and raises one incident when they match a known multi-stage pattern: a prompt injection at the gateway plus an SSRF probe and a path traversal at the API from the same client become a single critical Lethal Trifecta finding.

modules/compound_correlator • findings.mcp_security.compound
05

Append-Only Audit Log

HMAC-SHA256 hash chain on authentication and domain events (since 2026-09-13), each entry signing the previous. Three verification levels (full / single / last-N). Control mapping (not an attestation) for SOC 2 CC7.2, PCI DSS Req 10.5, and SAR/CTR filing recordkeeping.

modules/compliance/audit_chain.py
+

MCP Correlation Analyzer

Cross-session attack detection: 6-dimension risk score (max 110) across tool sensitivity, data volume, burst, denials, prior detections, and tool diversity. Catches coordinated multi-account fraud and 24h slow-and-low patterns.

MCPCorrelationAnalyzer — alert at score > 50

One Finding Bus. All Four Pillars.

Every pillar publishes its findings to one threat event bus. The compound correlator joins findings on the same request by correlation ID, and separate requests from one client by organization + client IP.

Customer
Session
Prompt
Fraud / Risk AI
Tool Call
Payment API
Response
Verification
Every tool call is written to mcp_tool_calls with its correlation ID • Compound findings link every contributing finding • Hash-chain entries are tamper-evident for SAR/CTR filing

FinTech Use Cases

Built for every type of financial service

Neobanks & Digital Banks

Protect account opening, KYC, transfers, and card issuance APIs from fraud and abuse.

APIs secured: /accounts, /kyc, /transfers, /cards

Payment Processors

Stop card testing, validate webhooks, and prevent payment fraud with real-time pattern detection.

APIs secured: /payments, /webhooks, /refunds

Cryptocurrency Exchanges

Prevent unauthorized withdrawals, detect wash trading, and secure trading APIs from manipulation.

APIs secured: /trades, /withdrawals, /deposits

Systems Financial Teams Run Alongside G8KEPR

Examples, not integrations: G8KEPR works at the HTTP layer and ships no vendor-specific connector for any of these payment, banking, identity or fraud systems.

Payment Processors

  • Stripe
  • Adyen
  • Square
  • PayPal/Braintree
  • Checkout.com

Banking Platforms

  • Plaid
  • Marqeta
  • Galileo
  • Unit
  • Synapse

KYC/Identity

  • Jumio
  • Onfido
  • Persona
  • Alloy
  • Socure

Fraud Prevention

  • Sift
  • Signifyd
  • Kount
  • Forter
  • Riskified

Vendor-Neutral Payment API Protection

G8KEPR applies the same HTTP-layer controls to payment and webhook APIs as to any other API it handles. There is no Stripe, Plaid or fraud-vendor connector.

  • Rate limiting, on by default
  • Request-body size limit, 10 MB by default
  • ~340 regex rules evaluated on every request
Example API targets
Payment-provider webhook endpoints
Account-linking APIs
Payment and transfer APIs

Frequently Asked Questions

Common questions about G8KEPR for financial services

Is G8KEPR PCI-DSS compliant?

G8KEPR implements security controls aligned with PCI-DSS requirements 6.5, 6.6, and 11.4. We provide automated compliance reporting and evidence collection to support your QSA assessments. Formal PCI-DSS certification requires a Qualified Security Assessor (QSA) assessment, which is the customer's responsibility.

Security testing to date is an internal red-team self-assessment (April 2026); no third-party penetration test has been performed yet.

How does G8KEPR handle payment data?

G8KEPR is not a card-data vault and does not tokenize card data. It sits in the request path, so it reads whatever your API traffic carries, and two of its records keep part of what it read. Neither masks card numbers.

  • For a JSON request that carries a prompt, G8KEPR saves the prompt and the request body, encrypted at rest.
  • The MCP audit log saves tool-call arguments, encrypted at rest, with any value over 100 characters cut short.

Neither record has a scheduled deletion. The threat events G8KEPR stores for a refused prompt or a flagged MCP tool call name the finding and carry no request text. A log filter, on by default, replaces common card-number patterns in G8KEPR's application logs with a redaction marker. It does not run on database records. If your API traffic carries card numbers, treat the G8KEPR database as a system that can hold them.

Payment webhooks (Stripe, Adyen, etc.) get the same HTTP-layer controls as any other API. G8KEPR does not verify the payment provider's webhook signatures; your application still does that.

Can G8KEPR help with BSA/AML compliance?

Yes. G8KEPR provides transaction monitoring rules specifically designed for Bank Secrecy Act compliance. We detect structuring patterns ($9,999 transactions), velocity anomalies, and suspicious activity that may require SAR filing.

Our audit logs are designed toward FinCEN recordkeeping requirements, with a 7-year audit retention by default and an append-only table.

What latency does G8KEPR add to transactions?

G8KEPR adds less than 10ms of latency to API requests. Our edge network processes security rules at 200+ locations globally, ensuring minimal impact on transaction processing times.

For ultra-low-latency requirements (high-frequency trading, real-time payments), we offer dedicated infrastructure targeting sub-5ms routing overhead SLAs.

Do you support cryptocurrency exchanges?

Yes. G8KEPR protects cryptocurrency exchanges, wallets, and DeFi platforms. We have specific security rules for wash trading detection, withdrawal velocity limits, and wallet draining prevention.

There is no Travel Rule or blockchain-analytics connector.

What uptime do you target?

G8KEPR targets 99.9% uptime. The hosted service runs in a single region today; customer-hosted deployments can run the shipped HA components (Helm charts, Patroni PostgreSQL). Enterprise plans can negotiate SLA terms — contact sales.

We publish real-time status at g8kepr.com/status and provide 15-minute incident response SLAs for critical issues affecting financial services customers.

Audit Evidence, Built In From Day One

Every transaction event written to the append-only audit log. Control crosswalk — each SOC 2 control is mapped to its overlapping PCI DSS and ISO 27001 controls.

PCI DSS v4.0
55 controls, 12 requirements
SOC 2 Type II
observation in progress
GDPR-Ready
Articles 5 / 17 / 32
ISO 27001
93 Annex A · aligned
BSA/AML
SAR + CTR auto-fill
NIST 800-53
115 controls

"-Ready" / "aligned" reflect capability posture. PCI-DSS certification requires a Qualified Security Assessor (QSA) engagement on the customer's side; SOC 2 Type II observation in progress with external audit engagement H2 2026.

Protect Your Financial APIs

Join neobanks and payment platforms using G8KEPR to secure payment APIs, protect AI fraud detection agents, route risk-scoring LLMs, and map controls to PCI DSS v4.0 with documented evidence.

30-day free trial (extend to 90 days free)
No credit card required
PCI DSS v4.0 Ready