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The transaction patterns of each merchant: health and risk profile.
The brain of Kushki
World Model: the intelligence layer that connects all of Kushki
An AI‑native company doesn't use AI tools in isolation. It builds a shared intelligence layer, a living model of its business that every system and every team can access.
What does the World Model know?
At Kushki we call World Model a real‑time representation, maintained by AI, of every entity that matters to our business. Think of it as a living map that updates itself: instead of data scattered across systems that don't communicate with each other, the World Model brings together and relates every merchant, every transaction pattern, every risk signal, and every operational metric in a single model. This way, any team or system can query not just what is happening, but understand why and what will probably happen next.
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Fraud signals across merchants and anomaly baselines.
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Operational context: who is at risk, who is growing, who needs attention.
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Historical patterns that predict future behavior.
What does it enable?
What connected intelligence makes possible
Every capability is built on the shared intelligence of the World Model.
Proactive support
Merchant attention before they send a ticket.
Automated risk detection
Real‑time monitoring and scoring with rules and machine learning.
Intelligent onboarding
Contextual from day one.
Cross‑pillar intelligence
Finance sees what Operations knows.
Why does it matter?
Isolated AI tools hit a limit. Connected intelligence compounds exponentially.
The World Model is the substrate on which we build everything at Kushki. Each team's AI tools are smarter when connected to this shared intelligence.
That's why it's defensible: it's built on millions of transactions that only exist because Kushki processes directly in five countries. The World Model learns how money actually moves in Latin America.