The Business Rules Engine That Goes Further
Most rules engines stop at logic. Ours connects that logic to the live data, AI models and agents, application screens, and your workflows and case management, so decisions run on their own, from design to execution.
- Visual rule authoring — simple to complex logic
- ML models and AI embedded directly into rule flows
- Thousands of transactions per second
- 480+ data connections across 150+ provider brands
- Private cloud, EU data residency, SOC 2 & ISO 27001
Book a Discovery Call
30-minute technical walkthrough with a Zoot Solutions expert. We'll show you the architecture, the rule authoring environment, and how it fits your stack.
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100M+
Transactions
Processed annually in real time without performance impact
28%
Better Protection
More vulnerable customers accurately identified
<5 mins
Rule Changes
From change request to live — no developer needed
85%
Straight-Through
Processing rate achieved at go-live
We Remove the Friction Slowing Down Your Rules
Agility, consistency, and scale shouldn’t be this hard. These three friction points show up again and again for teams running business rules — WR Builder® was built to close all three.
No More Waiting on Engineering
Need to update pricing, thresholds, or eligibility rules the moment the business changes? With WR Builder®, risk and credit teams configure rule logic directly in a visual, low-code interface: no ticket, no sprint, no waiting on engineering.
Built to Handle Every Transaction, At Any Volume
Worried your rules engine will buckle under peak volume or need constant rework to plug in new data? WR Builder® runs on a cloud-native engine handling thousands of transactions per second with 99.99% uptime, and connects to 480+ data sources out of the box.
Consistent Rules in Every Decision
Rules built in one system, then handed off to another to actually run? WR Builder® keeps design, testing, and execution in a single platform. What you build is exactly what runs in production, with full version control and audit trails along the way.
How it works
Build it. Test it. Run it.
Zoot gives you two connected environments — one for designing and testing your decisioning logic, one for running everything live at scale.
Build
Configure decisioning logic, data, and screens — all in one low-code interface. No coding required, no waiting on development queues.
- Build and manage business rules, scorecards, and multi-attribute decision logic visually
- Embed ML models and AI directly into rule flows using a drag-and-drop editor
- Connect to 480+ data sources across 180+ provider brands globally through one integration layer
- Design application screens and workflows for any channel or product
- Test, version, and validate every change in sandbox before it goes live
Run
Your logic executes instantly in Zoot's private cloud — processing decisions in real time, at any volume, with built-in failover and round-the-clock monitoring.
- Sub-second decision execution across every channel, product, and customer journey
- Auto-scaling infrastructure handles peak volumes without performance impact
- Built-in failover and redundancy with 99.99%+ uptime guaranteed
- EU private cloud with data centres in Amsterdam and Frankfurt
- 24/7/365 service monitoring, alerting, and operations support
Bank-Grade Security
We’ve been helping financial institutions optimise their decision process for three decades
ISO 27001
Industry-leading data protection
GDPR
European data handling
EU-Located
Amsterdam & Frankfurt
99.99%
Resilient, monitored infrastructure
SOC 2
Independently audited
Anth Mooney
Through our partnership with Zoot, Vida is aiming to become a market leader in tech-enabled decisioning and origination.
Robert Gray
We now have direct hands-on control over our boarding rules without the need for IT engagement, which makes us very agile. The process has less friction, is more scaleable and through improved data analytics business approval rates have been optimised without compromising on controls.
One Platform. Rules, Data, AI, and Beyond.
The Zoot Solutions Platform is a business rules management system (BRMS) built for the full origination journey — not just the decision at its centre.
Visual Rule Modeling & BRMS
Build and manage decision logic visually — from simple eligibility rules to complex multi-attribute, multi-bureau, and multi-country rule sets. Break large decisions into composable rule sets that are easier to understand, test, and govern.
Data Orchestration & Acquisition
Connect to 480+ data sources across 150+ provider brands globally — credit bureaus, open banking, KYC/AML, fraud detection, and internal systems — directly within your rule flows.
AI, ML & Intelligent Agents
Embed ML models directly into your rule flows — model-agnostic. Deploy AI agents for document recognition, fraud detection, and underwriter support.
Screens, Workflows & Case Management
Where other rules engines stop, WR Builder® continues. Build application screens, configure multi-stage workflows, and manage exception cases — all within the same platform.
Ready to see it on your use case?
A 30-minute working session with a Zoot solutions expert — we'll map your decisioning challenge to the platform and show you exactly what a rollout would look like.
Tap Into the Data Behind Every Smart Decision
Zoot’s platform integrates with over 480 data connections across 150+ provider brands, providing banks with access to real-time insights for secure credit, fraud, and compliance decisions across all lending products.
Frequently Asked Questions
How does the rules engine architecture work?
The platform runs on a three-tier private cloud architecture — handling inbound API connections and case entry, decisioning and business logic execution, and external data and service acquisition. Rules are authored visually in the design-time environment and deployed to the runtime engine through a structured pipeline — QA, UAT, load and performance testing, then production.
How do we integrate the platform with our existing systems?
The platform supports both synchronous and asynchronous communication, and is compatible with JSON, XML, and other structured formats. Pre-built connectors cover the most common financial services data providers and systems. Custom integrations are configured visually — no custom coding required for standard connection patterns.
What deployment options are available?
The platform runs in Zoot’s private cloud, with data centres in Amsterdam and Frankfurt. All processing and storage stays within the European Union. Zoot is ISO 27001, SOC 2 Type II, and PCI DSS certified. Dedicated environments are available for QA, UAT, load testing, and production.
How do we manage governance and audit across rules?
Every rule, change, and decision is versioned, traceable, and auditable. The platform captures a full audit trail of every rule applied, every data point used, and every outcome delivered — in real time. Role-based access control ensures the right people can configure, review, and approve changes at each stage.
How does the AI and ML integration work technically?
ML models are embedded directly into rule flows using a drag-and-drop editor — no separate inference infrastructure needed. Models built externally can be imported and operationalised instantly within existing decision logic. The platform also supports AI agents for specific tasks — document verification, fraud pattern detection, and underwriter recommendations in case management.
Use Cases
Zoot supports fast-moving financial teams. See how leading financial service providers leverage Zoot’s platform to solve complex challenges and drive growth.
Consumer Lending
Mortgage Lending
Merchant Onboarding
Credit Card Origination
Buy Now, Pay Later
Additional Resources
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Build Smarter. Deploy Faster. Scale with Confidence.
Let’s talk about how Zoot’s platform can help you take the next big step.