AI at the center of every product decision
AI-First is not a feature — it's the philosophy guiding how Kushki designs products, makes technical decisions and scales its payments platform across LATAM.
What being AI-First looks like in payments
Six principles guiding every product and technical decision at Kushki.
Proprietary model
We don't depend on third-party models — we build and train our own World Model on real LATAM data.
Real-time decisions
Every transaction passes through multiple models before being approved or declined — in under 80ms.
AI for human teams
Shaman and KODA amplify teams — never replace them. Human in the loop, always.
LATAM-first context
Our models understand the economic, regulatory and cultural context of each LATAM country.
Security by design
AI reinforces — never weakens — security controls and regulatory compliance.
Continuous improvement
Every transaction, query and interaction feeds back into the models and improves the system.
Principles
Built with AI from day one
Real-time fraud detection — models trained on millions of LATAM transactions
Intelligent routing — automatic optimization to maximize approval rates
Checkout personalization — experience adapted to each user based on their history
Chargeback prediction — anticipates disputes before they happen
Natural language for data — Shaman answers payment questions in seconds
Continuous improvement — every transaction feeds back into models without manual work
The most intelligent payments platform in LATAM
Shaman, KODA and World Model — three products redefining how money is processed, analyzed and scaled across Latin America.