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All open source models

Risk and fraud

The best open source models for transaction monitoring

For transaction monitoring, our top pick is DeepSeek V4.1 Flash from DeepSeek. Only 8B active parameters and a much smaller KV cache, so it triages thousands of alerts quickly and cheaply. GLM-5.3 Flash is a close second, and gpt-oss-120b rounds out the list.

Monitoring agents triage alerts from rules engines and SIEMs, enrich them with account and transaction history, and escalate the real ones. Volume is high and most alerts are false positives, so speed and cost per alert matter most, with enough reasoning to explain each call.

Updated

What matters for transaction monitoring

  • Low cost and latency per alert
  • Good tool use for enrichment queries
  • Easy to run at volume in your own cloud

Our picks

1DeepSeek logo

DeepSeek V4.1 Flash

DeepSeek · MIT

Only 8B active parameters and a much smaller KV cache, so it triages thousands of alerts quickly and cheaply.

A multimodal MoE that activates only 8B parameters per token and shrinks the KV cache about 4x.

Context1M tokens
Parameters552B
Active8B

Input: text, image

Harnesses in Runtime

Claude CodeOpenCodeCline
2Z.ai logo

GLM-5.3 Flash

Z.ai · MIT

18B active parameters with strong agentic skills for the enrichment queries behind each alert.

A natively multimodal GLM that Z.ai says beats GLM-5.2 at one-tenth the price.

Context1M tokens
Parameters320B
Active18B

Input: text, image

Harnesses in Runtime

Claude CodeOpenCodeCline
3OpenAI logo

gpt-oss-120b

OpenAI · Apache 2.0

Apache 2.0 and fits on a single 80GB GPU, a simple way to run triage entirely inside your network.

OpenAI's open-weight reasoning model, small enough to run on a single 80GB GPU.

Context128K tokens
Parameters117B
Active5.1B

Input: text

Harnesses in Runtime

CodexOpenCodeCline

Put a transaction monitoring agent to work

01

Write the SOP as a skill

Turn the steps your team already follows into a skill the agent reads before every run.

02

Pick and test the model

Run two or three of these models against past cases. Evals show which one passes at the lowest cost.

03

Run it in your cloud

The agent works on its own computer in your VPC, with role-based access and an approval before sensitive actions.

Questions about models for transaction monitoring

What is the best open source model for transaction monitoring?

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For transaction monitoring, our top pick is DeepSeek V4.1 Flash from DeepSeek. Only 8B active parameters and a much smaller KV cache, so it triages thousands of alerts quickly and cheaply. GLM-5.3 Flash is a close second, and gpt-oss-120b rounds out the list.

What matters when choosing a model for transaction monitoring?

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Low cost and latency per alert. Good tool use for enrichment queries. Easy to run at volume in your own cloud. Test two or three candidates against your own past cases before you commit, and keep a human approval on any step that moves money or changes a customer's status.

Can I run an open source model for transaction monitoring without sending data to a third party?

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Yes. Download the weights and serve them with vLLM or SGLang in your own cloud, or use Amazon Bedrock or Google Vertex AI in your account. With Runtime, the agent's computer also runs in your VPC, so card data and PII stay in your environment.

Which of these models can I use commercially?

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DeepSeek V4.1 Flash (MIT), GLM-5.3 Flash (MIT), gpt-oss-120b (Apache 2.0) are permissive and fine for commercial use.