Research & Trust / Evidence index
Pulsaf5 is an audited, evidence-driven platform. Every claim on this page links to a dated artifact — audit summaries, uptime history, the annual State of Fintech Risk report, and the credentials of the 38-person research bench that builds the models.
01 / Compliance ledger
If a senior risk or compliance officer can't find the artifact in 30 seconds, it doesn't exist. Here is the ledger.
Certifications
Full audit reports available under NDA in 24 hours. SOC 2 Type II covers security, availability, processing integrity, confidentiality, and privacy. ISO 27001 covers 114 controls across 14 domains. PCI-DSS Level 1 covers the highest-volume card-processing tier.
Reliability
Trailing twelve months, publicly verifiable in our status feed. p99 inference latency is documented per region; failover between us-east-1 and eu-west-1 is exercised quarterly with full DR drills.
99.987%T12M uptime
Customer satisfaction
Independently administered across 380+ fintech customers. Methodology, response rate, and segment cuts are available on request. The 2024 benchmark report is the third annual edition.
74Net Promoter Score
Customer-reported ROI
Average customer-reported return on investment within the first 12 months of deployment, measured against a documented baseline. Full measurement methodology and cohort definitions available under NDA.
5.8×first-12-month ROI
02 / Research bench
Pulsaf5 is built by engineers from Stripe, Plaid, and Square — and led by a quantitative team that includes 7 PhDs from Stanford, MIT, and ETH Zürich. The bench publishes in the four disciplines below.
Adaptive AML · graph learning
Graph neural networks over 4.2B anonymized transactions across 41 fintech verticals. Featured in the Wall Street Journal, FT, and TechCrunch for work on adaptive AML models and the 23% false-positive reduction verified across three top-10 neobank pilots.
Credit decisioning · inference
Causal inference, uplift modeling, and counterfactual evaluation pipelines designed to be auditable end-to-end. Median deployment time of 11 days against the industry benchmark of 14 weeks (Gartner, 2024).
Identity · behavioral signals
Entity resolution and behavioral biometrics for fintech onboarding and account takeover. Connects to 140+ pre-built integrations with core banking, KYC, and data warehouse systems.
Forecasting · growth
Hierarchical time-series and probabilistic forecasting over transaction-level telemetry. Backed by 7 PhDs across quantitative finance and a 38-person research team — with 41 in customer-facing engineering.
03 / Annual report
The fourth-edition industry report — covering adaptive AML, false-positive economics, and the 23% reduction observed across three top-10 neobank pilots. Read by institutional investors, regulators, and the teams operating risk at the largest fintechs in our category.
04 / Procurement & security FAQ
If your security review sends a six-question email within 24 hours of a demo, the answers are below.
Within 24 hours of a signed mutual NDA. We use a lightweight one-way NDA via DocuSign; the report is delivered as a watermarked PDF. ISO 27001 and PCI-DSS Level 1 audit summaries follow the same process.
Yes. The current subprocessor list, including AWS regions (us-east-1, eu-west-1, ap-southeast-1) and downstream vendors, is published at /trust/subprocessors and updated within 5 business days of any change. EU customer data is pinned to eu-west-1 by default.
An independent third-party firm executes a full-scope penetration test annually covering application, infrastructure, and API surfaces, plus a focused retest on critical findings. The executive summary is available under NDA; the full report is available to enterprise customers on request.
Every production model ships with a documented Model Card covering training data lineage, performance slices, fairness tests, and intended use. We support SHAP-based explanations on scored events and retain feature-level audit trails for the full retention period you configure.
05 / Next step
SOC 2 Type II, ISO 27001, and PCI-DSS Level 1 audit summaries — delivered within 24 hours of a signed mutual NDA. Prefer a walkthrough? Book a 20-minute demo with our research and security leads.
