Tabular Foundation Models
A new class of models learns strong priors for structured data and can deliver useful baselines without long training cycles.
Atlas AI
Every claim. Scored in milliseconds.
Atlas is the proprietary prediction engine behind NeuraPay. It analyzes payment behaviour, communication patterns, and economic signals — and makes the optimal decision for every single case.
94% Prediction accuracy
< 50ms Scoring latency
3.2× vs. static rules
How Atlas decides
Data ingestion
Data enrichment
Behavioural analysis
Decision
Execution
ERP data, invoices, and payment history are ingested in real time.
Macroeconomic signals and communication patterns are contextually enriched.
Atlas evaluates payment patterns, response latency, and channel affinity.
Channel, timing, tone, and escalation path are optimized per case.
Execution runs via NeuraAgent or workflow engine with full audit logs.
Research DNA
Foundation-model thinking — for tabular reality
We track modern research in tabular foundation models (e.g., TabPFN) and translate the principles into claim decisioning: priors, calibration, and in-context signals.
In-Context Signals
Decisions are contextual: history, responses, and macro signals — not just a static feature checklist.
Calibrated Probabilities
Not just scores. Calibrated probabilities let finance teams set thresholds and policies with confidence.
Note: References to external research are for orientation. Atlas AI is NeuraPay’s proprietary decision engine.
Core Capabilities
94% Prediction accuracy
Payment probability per claim
Details
Atlas classifies each case with calibrated probabilities rather than generic rules.
- Behaviour + history features combined
- Calibrated probability outputs
- Fast re-scoring on new events
5 Channels
Predicts the best channel per debtor
Details
Atlas prioritizes the most effective contact path for each profile.
- SMS, email, voice, letter, phone
- Channel affinity by profile
- Dynamic channel rotation
2.4× Engagement vs. random
Learns optimal contact windows
Details
Timing is learned from outcomes and continuously refined.
- Day/time contact windows
- Payday alignment for liquidity peaks
- Response latency as signal
4 Risk classes
Automatic A/B/C/D classification
Details
Risk classes drive escalation paths and resource allocation.
- Risk-based prioritization
- Automatic escalation levels
- Portfolio heatmaps for teams
100% Logged
Every recommendation is auditable
Details
Decisions execute inside guardrails with full traceability.
- Policy checks before execution
- Tone and template control
- Complete decision logging
3.2× vs. static rules
RL-based strategy optimization
Details
Atlas learns from real outcomes and improves continuously.
- Outcome feedback loops
- Balanced exploration/exploitation
- Measured against baseline
Live Demo
Live Scoring Simulator
Select a profile and see how Atlas classifies channel, timing, tone, and risk.
Amount
Days overdue
Payment history
— Payment probability
Channel—
Contact time—
Tone—
Risk class—
Comparison
Atlas AI vs. static rules
Two decision systems with fundamentally different outcomes.
| Dimension | Static rules | Atlas AI |
|---|---|---|
| Decision logic | Fixed if/then trees | Transformer + RL, learning |
| Adaptability | Manual rule edits | Automatic from outcomes |
| Data sources | Internal master data | Behaviour + macro + communication |
| Decision time | Sequential / batch | < 50ms per claim |
| Explainability | Rule output only | SHAP feature importance |
| Accuracy | ~60-70% | 94% |
Explainability
Explainable. Logged. Auditable.
Atlas provides not just decisions, but evidence for why each decision was made.
Feature Importance
Decision Audit Trail
09:14:02 CASE_SCORED Score 0.87, class A, channel SMS
09:14:02 STRATEGY_SELECTED Payday alignment, contact on the 25th
09:14:03 GUARDRAIL_CHECK Tone empathetic, template approved
09:14:03 ACTION_DISPATCHED SMS to +41 79 *** via NeuraAgent
Swiss-hosted
GDPR / DSG
Full Audit Trail
Role-based Access
Architecture
Atlas sits at the core of the platform
From ingestion to action: every decision is part of an integrated flow.
ERP / Accounting
→
NeuraPay Ingestion
→
Atlas AI
→
NeuraAgent
→
Dashboard / Legal
Atlas powers decision intelligence across the platform — your team defines guardrails, Atlas optimizes within them.
See Atlas on your portfolio
In a live demo, we show decision intelligence with your business parameters.
