ZKAI Labs
ZKAI Labs provides behavioral finance intelligence by modeling blockchain wallet and transaction behavior to produce predictive signals. Its embeddable API decision layer, called ❜embed, ranks what a user should see next—such as a market, token, trade, or post—based on a partner's objectives and guardrails. The platform also offers BTFM, a Blockchain Transaction Foundation Model pretrained on public stablecoin histories, which can be adapted to fraud, credit, and personalization tasks.
- Financial Technology
- Artificial Intelligence
- Data & Analytics
- Blockchain & Cryptocurrency
- Software Only
- Enterprise Software
Funding
Founders
Founder details are not available yet.
Product
Problem
Financial institutions face significant losses from fraud, credit defaults, and poorly targeted product incentives. Legacy fraud and credit systems generate excessive false alerts and fail to capture real-time behavioral signals from blockchain and transaction data, leading to slower investigations and suboptimal approval decisions.
Solution
ZKAI Labs delivers behavioral finance intelligence by modeling blockchain wallet and transaction behavior to produce predictive, forward-looking signals. The core product is an embeddable API decision layer that ranks what a user should see next—whether a market, token, trade, or post—based on a partner's objective, guardrails, and ranking policy. Product teams configure these parameters in a console and steer results in real time, without needing an ML backlog or dedicated data science hires. The platform targets use cases such as next-transaction fraud scoring, next-credit-loan eligibility, trade prediction, and counterparty risk assessment. Additionally, ZKAI Labs offers BTFM, a Blockchain Transaction Foundation Model pretrained on public stablecoin transfer histories, which can be adapted to various downstream tasks with minimal labels.
Target Audience
Primary customers are financial institutions, credit providers, trading platforms, and product teams requiring real-time behavioral scoring and decision intelligence for fraud detection, credit underwriting, marketing optimization, and risk management.
Features
- Financial behavior intelligence models producing next-action predictions, including fraud scores, loan eligibility, trade likelihood, and counterparty risk
- Embeddable API layer that integrates into a partner's interface via the production decision layer to decide per user and per request what content or offer to display
- Console-based configuration for setting objectives, guardrails, and ranking policies, enabling human oversight of AI-driven decisions
- Real-time steering capabilities that let product teams monitor results and adjust ranking policies without model retraining
- Production-ready API architecture requiring no data science hires or dedicated ML infrastructure on the partner side
- BTFM, a pretrained transaction foundation model that learns from public stablecoin histories across chains and transfers to banking tasks with scarce labels
- On-premise deployment option for partners who need to keep data within regulatory boundaries, with a 12-week engagement to build a custom transaction model