AI-native payment infrastructure

Integration in days.
Intelligence built in.

FTC-X builds payment systems designed to slot into your stack, not take it over: open protocols, configuration over code, and every operation exposed as an API. AI runs through our products — driving test suites, operating control planes, and answering your team's questions with citations.

How integration works AI in our products

OpenAPI-firstConfig over codeAgent-operable APIsAI-driven testingSelf-hosted

Easy integration

From zero to first transaction in days

Integration pain is the hidden cost of payment systems. We designed it out: open protocols, config-driven behavior, and simulators that let you certify before you ever call a scheme.

Connect

Standard interfaces only: ISO 8583 and JSON over REST and gRPC, every endpoint documented in OpenAPI. No proprietary SDK to learn, no black box to reverse-engineer.

curl /api/v1/evaluate -d '{ "scheme": "VI", ... }'

Configure

Business logic lives in versioned YAML — message layouts, field mappings, rules, rates — validated and golden-tested at compile time. Change behavior without changing code, hot-load without a restart.

horizonx compile -config ./my-institution

Simulate

Test before you touch a live scheme: a dual-end ISO 8583 simulator and switchable vendor mocks let the whole stack run offline. Certify against realistic traffic from your own CI pipeline.

ftc-issuer -headless # REST-only, CI-ready

Go live

Self-hosted with Docker Compose or your orchestrator of choice — Postgres, Redis, Kafka, no managed-service lock-in. Roll back any config bundle instantly if reality disagrees.

docker compose up -d # that's the deploy

AI adoption

AI inside the product,
and alongside your team

For us AI isn't a feature checkbox — it's an operating model. Our systems are built so intelligent agents can test them, run them, and explain them.

Agent-operable control planes

Every product exposes its full operation as documented REST or gRPC APIs — bundle publishing, rule activation, connection control, scenario execution. If a human can click it, an AI agent can drive it. Our simulator was designed for this from day one.

APIs built for agents, not just apps

AI-driven testing

Point an agent at the simulator's headless mode and it generates ISO 8583 scenarios, executes them against the mock issuer, and reads back the journaled results — raw hex, parsed fields, latency, matched rules. Certification prep that runs itself.

From test plan to evidence, unattended

Knowledge AI with citations

FTC Knowledge turns your specs, runbooks, and conversation history into a retrieval-augmented assistant that answers only from your material — and says so when the answer isn't there. Self-hosted models, so your data never leaves your cloud.

RAG with a strict citation policy

AI-assisted delivery

We build with AI agents across our own engineering loop — code generation, test authoring, documentation, review. That speed compounds into your project: shorter engagements, broader test coverage, docs that stay current.

Our process advantage becomes yours

Products

Five systems, one transaction stack

Every product started as a solution to a real production problem. Together they cover the path of a transaction — from the cardholder's tap to the ledger.

HorizonX Gateway

Payment gateway front-end

A high-throughput gateway front-end that owns everything around the authorization decision: message signature, parsing, routing, and orchestration. All business logic lives in configuration compiled into versioned, hot-loadable bundles — roll out new message dialects or institution scopes with zero downtime, and roll back instantly.

ISO 8583 & JSON message dialects, config-driven
Versioned, content-addressed config bundles
Hot-load & rollback without restart
Golden-test gate before any publish

✦ AIAgent-operable control plane — bundles compiled, published, and rolled back over REST

RBA

Sentinel RBA

Real-time fraud & payment control

A real-time authorization rule engine for card fraud detection and customer payment control. Multi-tier rule evaluation across scheme, product, and card levels, with velocity tracking, spending limits, merchant black/white lists, and customer-facing controls — all auditable.

Multi-tier rules: scheme → product → card
Velocity & spending-limit tracking
Merchant black/white list matching
gRPC + HTTP/JSON APIs, sub-second decisions

✦ AIAPI-first decisions — ready for agent-driven rule tuning and decline analysis

SIM

ISO 8583 Simulator

Certification & testing toolkit

A dual-end transaction simulator for bank testing teams: an acquirer-side console and a mock issuer host in one package. Manage card and merchant profiles, chain multi-step scenarios like purchase-then-reversal, and drive the whole suite programmatically from your CI pipeline.

Acquirer simulator + mock issuer host
1987/1993 dialects, Visa & Mastercard starter specs
Scenario chaining & transaction journaling
REST control API for automation and AI agents

✦ AIDesigned to be driven by AI agents — headless mode plus a full REST control surface

Benefit Hub

Loyalty & value-added services

A value-added-services platform combining a full loyalty engine with member-facing services like eSIM and ride booking. Accrual, redemption, campaigns, location-based offers, maker/checker operations, and end-of-day batch — built as independent microservices that scale past 10M members.

Full loyalty engine: accrual to redemption
Campaigns, caps, and location-based offers
Integrated eSIM & ride-booking services
Event-driven microservices architecture

✦ AIKafka event backbone — member behavior streams ready to feed your own models

FTC Knowledge

AI knowledge assistant

An AI knowledge base that answers your team's questions with strict source citations. Documents and conversation history are ingested into a retrieval pipeline, so answers come from your material — and it says so plainly when they don't.

Retrieval-augmented answers with citations
Chat-bot integration for internal tools
Self-hosted models, data stays in your cloud
Citation-strict: no unsupported claims

✦ AIAI at the core — a retrieval-augmented assistant, not an AI bolt-on

Services

Built with you, not just for you

We deliver working systems and transfer the knowledge to run them. Engagements range from certification sprints to full platform builds.

Gateway integration & certification

End-to-end delivery of payment gateway connections: message mapping, institution onboarding, and scheme certification support for ISO 8583 interfaces.

Fraud rule design & tuning

Rule-set design, velocity parameter tuning, and decline-rate analysis for real-time authorization — grounded in card-scheme fraud and payment-control practice.

Loyalty program engineering

From program parameters — schemes, rules, rates, caps, campaigns — to a running accrual and redemption pipeline with operations tooling your team can actually use.

Testing & QA automation

Simulator-driven certification prep and regression suites for payment systems, wired into CI so every release is replayed against real message traffic.

AI-enablement for operations

Internal knowledge assistants and agent-driven tooling that put your documentation and runbooks one question away — with citations, on your own infrastructure.

Custom fintech engineering

Design and build of bespoke transaction systems: issuing-side services, switching components, and value-added platforms tailored to your licence and market.

Why FTC-X

Engineering principles that ship

Production-proven, not slideware

Every product on this site runs — gateways processing live traffic, rule engines deciding authorizations, simulators certifying bank interfaces. We sell what we've built and operated ourselves.

Config over code

Business change shouldn't require a release. Our systems externalize message specs, rules, and program parameters into versioned configuration — validated, golden-tested, and hot-loadable.

Auditability by default

Financial systems answer to auditors. Every decision path — a declined authorization, a published config bundle, an AI answer — is journaled and traceable to its inputs.

Your infrastructure, your data

Self-hosted by default. PostgreSQL, Redis, Kafka, open models — no black-box SaaS dependency between you and your cardholders.

Contact

Let's talk about your transaction stack

Whether you're certifying a new gateway interface, fighting fraud in real time, or launching a loyalty program — we've built it before. Tell us where it hurts.

Prefer email? Reach us directly at[email protected].

Integration in days.Intelligence built in.