Template - High-risk fintech

High-risk / fintech

Strict on everything. Approve almost any outflow above $50; block fraud reasons hard.

Why this profile

Design rationale

For regulated fintech, lending, money-services, and high-chargeback verticals. Almost every outflow requires explicit human approval. Disputes always escalate to approval immediately, and any dispute with evidence due within 24h is treated as urgent. Recommended starting point for orgs in their first 90 days of operation when chargeback volume is unknown.

Default mode: enforcefintechhigh-riskstrict

Decision matrix

Top-level thresholds

These thresholds apply to refunds and any category that does not have its own override. Amounts are in USD cents in the underlying rule and rendered in USD here.

Auto-allow up to: $50
Approval band: $50 - $1,000
Hard block above: $1,000
Always escalate reasons: fraudulentduplicate
Dispute deadline rule: Escalate to approval when evidence is due within 24h, regardless of amount

Per-category overrides

Where the defaults differ

When a category has its own ceiling, the typed evaluator consults the override instead of the top-level. Categories without an override fall back to the thresholds above.

Goodwill credits

Discretionary credits issued via customer.balance_transaction. Often tighter than refund ceilings because every issuance is policy-discretionary.

Auto-allow up to: $10
Require approval: > $10
Hard block above: > $250

Payouts

stripe.payout.create plus the full lifecycle (paid, failed, canceled, reconciliation_completed). Operators with steady payout cadence want a higher ceiling here.

Auto-allow up to: $100
Require approval: > $100
Hard block above: > $5,000

Connect transfers

stripe.transfer.create and reversals across Connect platforms. Often the largest movements in marketplace flows.

Auto-allow up to: $50
Require approval: > $50
Hard block above: > $2,500

Disputes

charge.dispute lifecycle. Always combined with the dispute-window deadline rule below.

Auto-allow up to: $0
Require approval: > $0
Hard block above: > $500

Application fee refunds

application_fee.refunded for Connect platform fees. Smaller in scale, so usually a tighter ceiling than refunds.

Auto-allow up to: $0
Require approval: > $0
Hard block above: > $100

Sample decisions

What this template would decide

Pure threshold projection at common amounts. Live decisions also consult blocked-reason lists (e.g. fraudulent refunds always escalate) and the dispute-window escalation rule, so a real decision may be stricter than what the matrix shows.

Amount	Refund / default	Goodwill credits	Payouts	Connect transfers	Disputes	Application fee refunds
$50	Auto-allow	Require approval	Auto-allow	Auto-allow	Require approval	Require approval
$200	Require approval	Require approval	Require approval	Require approval	Require approval	Hard block
$500	Require approval	Hard block	Require approval	Require approval	Require approval	Hard block
$2,000	Hard block	Hard block	Require approval	Require approval	Hard block	Hard block
$10,000	Hard block	Hard block	Hard block	Hard block	Hard block	Hard block

Identifiers

Wiring details

Useful when you want to reference this template programmatically, in tests, or in support tickets.

Template slug: high-risk-fintech
Resulting policy name: High-risk strict policy
Install endpoint: POST /api/policies/typed-templates/install with body { slug: "high-risk-fintech" }
Catalog endpoint: GET /api/policies/typed-templates

Next step

Install this template

Sign in to your Axiru workspace and install 'High-risk / fintech'. Decisions land on your dashboard within seconds of your next webhook. Move from simulate to enforce when you have the audit trail you want.

Start in shadow mode first. Move to live enforcement later.

Open template installer