Payment authorization, identity verification, and fraud scoring — all resolved from L1 memory before the network even notices. 660K+ transactions per second on a single node.
Payment processors have 100–150ms to authorize a transaction. In that window, the system must verify the card, check the balance, evaluate fraud risk, apply velocity rules, check sanctions lists, and return a decision. Every millisecond spent on cache lookups is a millisecond stolen from risk models and business logic.
With Redis, each cache read costs 1–5ms over the network. A typical authorization flow requires 10–20 cache reads (account data, merchant profile, velocity counters, device fingerprint, geo data, risk rules). That is 20–60ms of cache latency alone — consuming 15–40% of the entire authorization window before a single risk model runs.
Cachee resolves those same 10–20 reads in 15–30µs total. That reclaims 20–60ms for risk evaluation — enough time to run significantly more sophisticated fraud models, evaluate more signals, and make better authorization decisions. The result: fewer false declines, fewer chargebacks, and higher approval rates.
KYC workflows require lookups against multiple data sources: customer identity records, government ID verification results, sanctions lists (OFAC, EU, UN), politically exposed persons (PEP) databases, and adverse media screening results. Each lookup must complete before the onboarding flow can proceed.
Cachee caches all of these at L1 speed:
1.5µs for instant retrieval during transaction screeningFor high-volume onboarding (neobanks, crypto exchanges, lending platforms processing thousands of applications per hour), the throughput difference is decisive. Cachee's 660K+ ops/sec means KYC checks never become a bottleneck, even during promotional surges.
Modern fraud detection evaluates 1,000+ risk signals per transaction: device fingerprint, IP reputation, behavioral biometrics, velocity counters (transactions per hour, per merchant, per device), geo-location anomalies, spending patterns, merchant category risk scores, and network graph relationships.
The challenge is evaluating all of these signals within the authorization window. With traditional caching, each signal lookup costs 1–5ms. Evaluating 1,000 signals at 2ms each would take 2 seconds — far beyond any authorization window. So risk teams compromise: they evaluate 50–100 signals and accept the accuracy tradeoff.
Cachee eliminates that tradeoff. At 1.5µs per lookup, 1,000 signal reads complete in 1.5ms. Risk models can evaluate every available signal within the authorization window. More signals means better decisions:
1.5µs — browser, OS, screen, fonts, WebGL hash1.5µs1.5µs lookups let risk models evaluate 5x more signals in the same authorization window — 55% fewer false declines. For a processor handling 10M transactions/month with a 3% false decline rate, that is $20M/year in recovered revenue.
Account balance checks are the most frequent cache operation in payments. Every authorization, every transfer initiation, and every balance inquiry requires a read. For high-frequency accounts (merchant settlement accounts, payroll accounts, trading accounts), balance reads can exceed 100 per second.
Cachee caches account balances in L1 with intelligent invalidation. Balance updates propagate to the cache within microseconds of the ledger write, ensuring consistency without sacrificing speed. Duplicate detection and idempotency keys are cached alongside balances, preventing double-charges and double-credits at the cache layer rather than requiring database roundtrips.
Idempotency keys, recent transaction hashes, and duplicate detection windows are all cached in L1. When a retry hits the system (network timeout, client retry, webhook replay), the duplicate check resolves in 1.5µs from cache rather than requiring a database lookup. This is critical for payment systems where double-processing a transaction has immediate financial impact.
Financial services require infrastructure that meets strict regulatory standards. Cachee is designed for deployment in regulated environments:
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