Decisions

LiveHickory Credit Union · p95 142 ms · 1.2M calls in 24h · 99.99%
Request
POST https://api.hickoryai.com/v1/transactions
Authorization: Bearer hk_live_••••••••3f9a

{
  "id": "txn_8Q2M4R",
  "type": "ACH_DEBIT",
  "amount": 4950.00,
  "currency": "USD",
  "customer": { "id": "cus_tran_0193", "riskTier": "low" },
  "counterparty": { "name": "QuickRemit Ventures", "accountAgeDays": 0 },
  "device": { "id": "dev_7F21", "new": true, "ip": "198.51.100.24" },
  "timestamp": "2026-10-13T02:14:07-07:00"
}
Response
200 OK · 138 ms

{
  "decision": "hold",
  "score": 94,
  "rule": { "id": "R-201", "version": "v2" },
  "facts": [
    "ACH out 8× normal (+40)",
    "Payee first seen today (+25)",
    "New device at 2:14 AM (+29)"
  ],
  "case": { "id": "C-1043", "type": "fraud" }
}

Webhooks

case.openedA rule or a person opens a case
case.decidedEvery disposition, with who decided and the note
payment.releasedA held payment is released; returned payments send payment.returned
filing.acknowledgedFinCEN accepts a SAR or CTR, with its BSA ID

Keys

Livehk_live_••••••••3f9aCreated Aug 20, 2026
Sandboxhk_test_••••••••b21cCreated Aug 2, 2026