MaiGuard

Introduction

Introduction

Learn the MaiGuard fundamentals, then move from quick start to production-grade authentication and integration patterns.

Tip

New to MaiGuard? Create a free account to get your sandbox API key, then follow the JavaScript SDK quick start to score your first transaction in under 5 minutes.

What is MaiGuard?

MaiGuard is a real-time trust layer for digital financial interactions. It sits between your transaction events and your business decisions — evaluating risk signals and returning a clear verdict so your platform can act immediately.

It evaluates signals across six dimensions:

  • Transaction behavior — amounts, velocity, and patterns
  • Device and network context — IP reputation, device fingerprinting
  • User and authentication signals — login patterns, session anomalies
  • Counterparty and beneficiary risk
  • Geo-location consistency
  • Historical account behavior

For each event it returns a riskScore, a decision (ALLOW / REVIEW / BLOCK), a set of explanatory flags, and optional downstream actions — all in under 200 ms.

Note

MaiGuard is built to grow beyond fraud scoring into a broader financial crime operating system — covering AML signal generation, account takeover detection, mule network analysis, case management, and compliance reporting.

How it works

  1. 1Send POST /v1/transactions/score with your transaction payload.
  2. 2MaiGuard evaluates behavioral, network, and identity signals against your configured rule set.
  3. 3Receive decision, riskScore, and flags synchronously in under 200 ms.
  4. 4Optionally submit feedback after the transaction resolves to continuously improve rule precision.

Pick your integration

Integration channels

Six supported methods — from synchronous REST calls to scheduled database syncs and high-throughput queues.

REST API

1,000/min per tenant

JavaScript SDK

Behavioral biometrics

Webhooks

Event-driven

Database Sync

PostgreSQL · MySQL · MongoDB

AWS SQS

1,000 msg/s

File Import

CSV · JSON · JSONL

Quick start

Score your first transaction in three steps.

  1. 1Get your API key from the MaiGuard dashboard. Use a pk_test_ key during integration.
  2. 2Call POST https://api.maiguard.com/v1/transactions/score from your backend with the transaction payload.
  3. 3Read decision from the response — ALLOW, REVIEW, or BLOCK — and act accordingly.

Tip

Switch from pk_test_ to pk_live_ at go-live — no code changes required. Test-mode traffic is excluded from live reporting.

Authentication

All API calls are authenticated via the Authorization header. Your tenant is resolved automatically from the key — never pass a tenantId in request bodies.

API key

Authorization: Bearer pk_live_<your-key>

Server-to-server calls: scoring, imports, webhooks. Never expose in browsers or mobile apps.

JWT

Authorization: Bearer <access_token>

Obtained via POST /v1/auth/login. Used for portal-style management routes (rules, customers, analytics).

Warning

Never embed pk_live_* keys in browser or mobile clients. Call the scoring API from your backend and pass only the decision to the client.

Next steps

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