Protect Every Transaction at the Gateway
High-value transactions need more than a password. STRATIUM adds adaptive step-up authentication, out-of-band approvals, and real-time fraud signals — before requests reach your payment engine.
The Stakes
High-Value Transaction Risk
A single fraudulent large transfer can cause irreparable financial and reputational damage. Standard session authentication is not sufficient.
Regulatory Scrutiny
Payment service providers face increasing regulatory demands for transaction-level audit trails and access controls.
User Experience Balance
Adding security friction to every transaction drives users away. The challenge is selective friction — maximum security only where risk is highest.
Transaction-Level Protection
How STRATIUM's risk levels apply to payment scenarios:
Balance, History
Level 1: Standard authenticated session passes
Under threshold
Level 2: Requires active, recent session
Above threshold
Level 3: Triggers step-up 2FA challenge
High risk
Level 3: Requires 2FA, cooling period
System changes
Level 4: Hardware key + IP whitelist
Agent-Ready: Securing AI in Payment Systems
AI agents and automated payment workflows are increasingly acting on behalf of real users — executing transfers, managing wallets, and initiating settlements. STRATIUM is agent-ready: any user can enrol an agent under an On Behalf Of (OBO) credential, replacing the standard in-band 2FA model with one designed for non-human actors.
The agent security policy defines exactly what an AI agent is permitted to do. High-risk operations — such as withdrawals to new addresses or large transfers — can be blocked entirely for agentic sessions, or configured to route an out-of-band approval request to the real user via push notification or secure messaging. The user reviews the action on their own device and approves or denies it. The agent never holds standing elevated access, and every action is logged with full attribution.
Compliance & Audit
Immutable Transaction Audit Trail
Every transaction, step-up challenge, and approval is permanently recorded with cryptographic signatures. No action can be erased or modified after the fact.
WORM Audit Storage
Write-Once, Read-Many storage for audit logs ensures regulators and auditors receive unchangeable, tamper-proof records.
Automatic Auditor-Ready Reports
Generate compliance documentation automatically. Transaction volumes, step-up challenge rates, OBO approvals, and access patterns in audit-ready format.