---
title: "Fraud Score Simulator + Explainability Panel"
method: POST
path: "/v1/tools/simulate_fraud_score"
tags: ["fraud", "scoring", "ML", "explainability", "velocity", "device", "AML"]
---

# Fraud Score Simulator + Explainability Panel

`POST /v1/tools/simulate_fraud_score`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/simulate_fraud_score`
- Auth: none declared

Simulates a real-time fraud scoring engine across velocity, device, behavioural, network, and value signals. Returns a 0-100 fraud score, risk band, recommended action, and SHAP-style explainability breakdown.

**Tool URL:** https://ainumbers.co/tools/04-fraud-score-simulator.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `amount` number, required
  - `velocity_1h` number
  - `device_match` boolean
  - `country_risk` string

## Response `200`

Successful tool execution result

- object
  - `score` number
  - `risk` 'LOW' | 'MEDIUM' | 'HIGH' | 'CRITICAL'
  - `action` 'ALLOW' | 'STEP_UP' | 'BLOCK' | 'REVIEW'
  - `triggered_rules` string[]

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)