Integration guide

Integrate Missing Linx™ into your bank's stack

A complete enterprise rollout — from signup to a live, signed event stream — in under a week. Backed by real solutions engineers.

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Your rollout, step by step

Every enterprise customer follows the same six-step path.

STEP 01

Create your enterprise workspace

Start onboarding

STEP 02

Connect with a solutions engineer

A real engineer joins your private thread within hours. They map your ACH flows, compliance scope, and risk policy.

STEP 03

Provision API keys & sandbox

Test keys instantly. Production keys after a 30-minute compliance review. Rotate or revoke any key in one click.

STEP 04

Wire the Risk Score API

One POST per transaction returns PASS / REVIEW / BLOCK with a 0–1000 score and forensic layer breakdown.

STEP 05

Receive signed webhook events

We push verified events (decision_changed, anomaly_detected, identity_break) to your endpoint with HMAC signatures.

STEP 06

Stream realtime intelligence

Subscribe to a live event stream for fraud feeds, latency telemetry, and engine status — sub-second updates.

REST API · /v1/score

Score every transaction in <120ms

One endpoint, seven scoring layers, deterministic PASS / REVIEW / BLOCK decisions you can route through your existing ACH or core banking pipeline.

p50 latency 38ms / p99 119ms
Signed responses (HMAC-SHA256)
Idempotent via request_id
SDKs: Node, Python, Go, Java

curl -X POST https://api.missinglinx.io/v1/score \
  -H "Authorization: Bearer ml_live_••••••" \
  -H "Content-Type: application/json" \
  -d '{
    "request_id": "txn_8421",
    "subject": { "id": "acct_91", "email": "j@bank.com" },
    "context": { "ip": "8.8.8.8", "device_id": "d_42" },
    "transaction": { "amount": 24800, "currency": "USD", "type": "ach_debit" }
  }'

{
  "decision": "REVIEW",
  "score": 642,
  "layers": {
    "identity": 0.91, "behavior": 0.58, "network": 0.44,
    "device": 0.77, "velocity": 0.39, "consortium": 0.81, "intent": 0.62
  },
  "request_id": "txn_8421",
  "signature": "v1=8f2d..."
}

// Verify an incoming Missing Linx webhook (Node / TS)
import crypto from "node:crypto";

export function verify(signature: string, raw: string, secret: string) {
  const expected = crypto.createHmac("sha256", secret).update(raw).digest("hex");
  return crypto.timingSafeEqual(Buffer.from(signature), Buffer.from(expected));
}

// Events you can subscribe to:
//   decision.changed     identity.break     anomaly.detected
//   chargeback.linked    license.quota_low  key.rotated

Signed webhooks

Push, don't poll

Every webhook is signed with your tenant secret and includes a replay-protection timestamp. Retries with exponential backoff up to 24 hours.

Realtime stream

Sub-second intelligence feed

Subscribe over WebSocket or Kafka. Used by fraud ops teams for live dashboards and SOAR pipelines.

// Realtime fraud feed (WebSocket)
const ws = new WebSocket("wss://stream.missinglinx.io/v1/events?token=ml_live_••••");

ws.onmessage = (e) => {
  const evt = JSON.parse(e.data);
  // { type: "score", decision: "BLOCK", score: 911, layers: {...}, ts: ... }
  pipeline.ingest(evt);
};

Drop-in React component

Copy-paste `<VerifyButton />` into any website or app

One file. No SDK install. Submits identity verification to/api/public/v1/verify/identityand renders a PASS / REVIEW / BLOCK pill with the trust score.

Works in Next.js, Vite, Remix, CRA — any React 17+ app
Zero dependencies (Tailwind classes optional)
Color-coded result: green = PASS, amber = REVIEW, red = BLOCK
onResult callback to wire into your own UI / DB
For production, proxy the API key through your backend

Get a verify-scoped API key

// VerifyButton.tsx — drop into any React app (Next.js, Vite, Remix, CRA)
// Tailwind classes are optional — swap for your own styles.
import { useState } from "react";

type Decision = "PASS" | "REVIEW" | "BLOCK";
type Result = {
  decision: Decision;
  trust_score: number;
  subject_ref: string;
  factors?: { name: string; score: number }[];
};

export function VerifyButton({
  apiBase = "https://missing-linx-engine.lovable.app",
  apiKey,           // mlx_live_xxx with "verify" scope
  subject,          // { subject_ref, full_name, email, phone?, dob? }
  onResult,
  label = "Verify identity",
}: {
  apiBase?: string;
  apiKey: string;
  subject: {
    subject_ref: string;
    full_name: string;
    email: string;
    phone?: string;
    dob?: string;
  };
  onResult?: (r: Result) => void;
  label?: string;
}) {
  const [loading, setLoading] = useState(false);
  const [result, setResult]   = useState<Result | null>(null);
  const [error, setError]     = useState<string | null>(null);

  async function run() {
    setLoading(true); setError(null); setResult(null);
    try {
      const res = await fetch(`${apiBase}/api/public/v1/verify/identity`, {
        method: "POST",
        headers: {
          "Authorization": `Bearer ${apiKey}`,
          "Content-Type": "application/json",
        },
        body: JSON.stringify(subject),
      });
      const data = await res.json();
      if (!res.ok) throw new Error(data?.error ?? `HTTP ${res.status}`);
      setResult(data as Result);
      onResult?.(data as Result);
    } catch (e: any) {
      setError(e.message ?? "Verification failed");
    } finally {
      setLoading(false);
    }
  }

  const tone =
    result?.decision === "PASS"   ? "bg-green-100 text-green-800 border-green-300" :
    result?.decision === "REVIEW" ? "bg-amber-100 text-amber-800 border-amber-300" :
    result?.decision === "BLOCK"  ? "bg-red-100 text-red-800 border-red-300"     : "";

  return (
    <div className="space-y-3">
      <button
        onClick={run}
        disabled={loading}
        className="rounded-md bg-black px-4 py-2 text-sm font-semibold text-white disabled:opacity-60"
      >
        {loading ? "Verifying…" : label}
      </button>

      {error && (
        <p className="text-sm text-red-600">{error}</p>
      )}

      {result && (
        <div className={`rounded-lg border p-3 text-sm ${tone}`}>
          <div className="flex items-center justify-between">
            <span className="font-bold">{result.decision}</span>
            <span className="font-mono">Trust {result.trust_score}/100</span>
          </div>
          <p className="mt-1 text-xs opacity-80">Subject: {result.subject_ref}</p>
        </div>
      )}
    </div>
  );
}

// ── Usage ───────────────────────────────────────────────
// <VerifyButton
//   apiKey={process.env.NEXT_PUBLIC_MLX_KEY!}   // proxy via your backend in production
//   subject={{
//     subject_ref: "user_12345",
//     full_name:   "Jane Doe",
//     email:       "jane@example.com",
//     phone:       "+15551234567",
//     dob:         "1990-04-12",
//   }}
//   onResult={(r) => console.log("MLX:", r)}
// />

Ready when your compliance team is.

SOC 2 Type II · ISO 27001 · PCI DSS · GDPR · MSA & DPA ready.

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