real time

Under 500ms from end of speech to first audio out, across three models and a network. The trick is that you never wait for any stage to finish: you stream and pipeline everything.

Fraud is well under 1% of transactions, the labels arrive weeks late as chargebacks, and the fraudsters adapt to your model on purpose. Optimizing accuracy gives you a model that approves everything. The interview is dollars-at-risk thresholding, label delay, and a review queue with a fixed headcount.