Coverage Benchmark · FraudClassifier-anchored
Fraud coverage, measured against a denominator we did not draw ourselves.
Coverage is scored against the U.S. Federal Reserve's FraudClassifier℠ model — the cross-industry standard for classifying payments fraud — crossed with the payment rails a fraud-detection layer must actually defend. A benchmark drawn against your own list can only ever read 100%. This one can fail, and it names exactly where. Demonstrated means a scenario exercises that fraud on that rail end-to-end today; scoped gaps are the named roadmap; two items are declared out of scope and routed to the KYC/AML estate. Coverage is evidence-level against the taxonomy — pilot-validated coverage is confirmed on your own data.
Demonstrated coverage
Computed at runtime · FraudClassifier terminal node × payment rail · valid cells only
What the number means. The denominator is the set of valid FraudClassifier℠-node × rail combinations — a node that can actually occur on that rail. Impossible cells (e.g. a physically-altered check on an instant digital rail) are marked N/A and excluded from both sides, the same way the KYC benchmark excludes sections by design. The numerator is the cells CAIBots demonstrates end-to-end today. Anchoring to the Federal Reserve model is a measurement choice, not an endorsement: the model is voluntary and confers no certification.
The matrix
✓ demonstrated · ○ valid but not yet demonstrated (gap) · · not applicable
Named gaps
Valid FraudClassifier × rail cells on the roadmap — the honest denominator's remainder
Declared out of scope
Named, not hidden — these belong to an adjacent estate or outside payments fraud
Method & provenance
Denominator source: U.S. Federal Reserve FraudClassifier℠ model (fedpaymentsimprovement.org/fraudclassifier), 12 terminal classifications across three initiation branches. Rail axis: wire, ACH, card (CNP / card-present), check, Zelle/P2P, RTP/FedNow, crypto, account-opening. The scenario→cell mapping below is a DRAFT prepared for fraud-SME confirmation — the structure and denominator are fixed; which cells count as demonstrated is a judgement to ratify before this figure is quoted externally.
