SHAP features

Each scoring response includes up to 5 highest-impact SHAP features in top_features[]:

{
  "top_features": [
    {"feature": "amount_log", "importance": 0.05},
    {"feature": "channel_ord", "importance": -0.03}
  ]
}

Field	Description
`feature`	Derived model feature name
`importance`	Signed SHAP contribution. Positive increases fraud score; negative decreases it

Common features

Feature	Meaning
`amount_log`	log1p(amount) — compresses large amounts
`amount_zscore`	Amount deviation vs user history
`tx_count_1h`	User transactions in the last hour
`tx_count_24h`	User transactions in 24 h
`channel_ord`	Ordinal encoding of payment channel
`category_ord`	Ordinal encoding of MCC category
`transaction_type_ord`	Ordinal encoding of transaction type
`hour_of_day`	UTC hour (0–23)
`is_night`	Transaction between 00:00–06:00 UTC
`amount_x_night`	Amount × night-time interaction

The model uses dozens of features derived from your request and historical behavior (transaction velocity, user and merchant patterns). Exact names may evolve between model versions; model_version in the response shows the product label (kairo-shield).

Use top_features for operational explainability (why a transaction was flagged), not as input fields for future requests.

Kairo Connect

Kairo Shield — Introduction

Kairo Shield — Getting started

Kairo Shield — API

Kairo Shield — Reference

Kairo Shield — Webhooks

Kairo Shield — Summary

Common features

​Common features

Common features