Sub-25ms response
Reads from a pre-computed cache. Never blocks your quote flow.
Behavioral pricing engine · by Okoora
Price every client individually. In real time.
Brain reads how each of your clients behaves and tells your platform exactly what spread to charge them — with the reasoning auditable per quote. Live in a day on three API calls.
Brain is live
Why?
Every decision is auditable — Brain shows the signals it used.
+18%
Average revenue lift
<25ms
Response time (P99)
3
API calls to integrate
The Okoora suite
Part of the Okoora infrastructure suite
Brain runs alongside the rest of Okoora's embedded FX layer.
Brain
Pricing intelligence
You are here
FX Risk Engine
Protect invoices, stabilize revenue
FX Execution Engine
Real-time FX trades
FX Wallet
Multi-currency holding
FX Payment Rail
Global settlements
FX Protection Suite
Margin stability
Use Brain standalone — or stack it with the rest of the Okoora suite for full embedded FX infrastructure.
How it works
Three steps. One API. Your customers see one price.
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01
You stream behavior
Anonymous transaction events flow in — 11 fields, zero PII.
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02
We score the client
Behavioral signals run through the engine and produce a per-client spread recommendation with a confidence score.
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03
You quote — Brain explains
One API call returns the spread in <25ms. A second returns the reasoning.
For your engineering team
Three API calls. Live in a day.
Brain ships as a tiny REST surface. Drop it into the quote pipeline, keep your default pricing as the fallback, and you're done.
The math
Every client is paying the same. They shouldn't be.
The client who trades EUR/USD at midday and shops three providers — same spread. The client who trades USD/Nigeria at midnight and never checks the rate — same spread. One leaves at +5 bps. The other wouldn't notice +20. That gap is your revenue, every month.
Today
- Flat spread for everyone
- Price-aware clients overpay or churn
- Price-insensitive clients underpay
- You leave 15-25% of FX revenue on the table
With Brain
- Brain prices each client individually, in real time
- Price-aware clients get tighter spreads — and stay
- Price-insensitive clients get wider spreads — more margin
- You capture what's there.
Invisible to your customer
Your customers see one price.
No popup. No banner. No personalized pricing label. The price your customer sees is the only price — already shaped. They never know we're there. You see everything in the dashboard.
Performance
Built for the quote pipeline.
50ms timeout fallback
If we're ever slow, your default pricing applies. We can't break you.
Zero PII
Client IDs are anonymous hashes you generate. We never know who they are.
Trust
Backed by Okoora
Brain is built on the same infrastructure powering banks, payment platforms, and fintechs across global cross-border commerce. Okoora is recognized among the Global Fintech 250 by CNBC and Statista, two years running.
Top 250 Fintech · CNBC & Statista 2025
Continuous learning
Smarter every week.
Every Sunday, the engine re-tunes thresholds and signal weights on your tenant's data — in isolation, validated against backtests. No data scientists. No prompts. This week's model is sharper than last week's.
+4.7%
Accuracy lift / month