Kairos: Open-Source Fraud Decisioning Platform Pitched as Alternative to Sift and Sardine

Finic has launched Kairos, an open-source fraud and risk decisioning platform positioned as an alternative to commercial tools like Sift and Sardine. It aims to address the shortage of labeled training data by using plain-language decision models alongside traditional machine learning methods such as XGBoost and logistic regression. The platform also targets the problem of fraudsters rapidly adapting their tactics, which can make static rules or trained models obsolete within weeks. To ease that burden, Kairos offers an MCP server that lets AI coding agents define decision workflows, train models on a company's data, and select the best-performing variant. It can be self-hosted via Docker or used through a hosted version.