Because most fraud is caught by cheap, deterministic checks. Running the local net first – velocity, blocklists, amount thresholds, geography and BIN mismatches – stops the majority of fraud for free and in microseconds, and reserves the paid ML call for the genuinely ambiguous remainder.

The result is lower cost per decision, lower latency, and logic your risk team can read and change directly. You can also combine both in one decision: local rules pre-filter, a backend scores the rest, and Specter returns a single combined outcome.

→ See how Specter combines rules and models