Authorization Engine

The authorization engine is the AI-powered decision-making core of ClawFi.

How It Works

Every transaction request is evaluated by the authorization engine before execution:

1. Policy Evaluation: Check against defined rules and limits

2. Risk Assessment: AI analyzes transaction patterns for fraud

3. Context Analysis: Consider time, location, merchant, amount

4. Decision: Approve, deny, or escalate for human review

Policy Types

Spending Limits

daily_limit: 5000
per_transaction_limit: 1000
merchant_categories:
  gambling: blocked
  gas_stations: 200

Approval Workflows

• Automatic approval for routine transactions

• Team member approval for medium-risk transactions

• Multi-signature for high-value transactions

Geofencing

Restrict transactions by location:

{
  "allowed_countries": ["US", "CA", "GB"],
  "blocked_regions": ["CN", "RU"]
}

AI Decision Making

The engine uses LLMs to:

• Detect unusual spending patterns

• Identify potential fraud

• Understand transaction context

• Generate explanations for decisions

Example Analysis

Transaction: $3,500 to "Tech Solutions LLC"
Time: 2:30 AM
Location: Foreign IP address

AI Assessment:
- Amount exceeds typical transaction size (avg: $450)
- Unusual time of day for this account
- New merchant, no previous history
- Foreign IP doesn't match account location

Decision: HOLD FOR REVIEW
Confidence: 87%
Reason: Multiple risk factors detected

Configuring Policies

Policies can be set at multiple levels:

1. Organization level: Default policies for all vaults

2. Vault level: Override for specific accounts

3. Card level: Granular controls per card

Audit Trail

Every authorization decision is logged with:

• Full transaction details

• Policy evaluation results

• AI reasoning and confidence scores

• Final decision and outcome

Performance

• Average decision time: < 50ms

• 99.9% availability

• Handles 10,000+ decisions per second