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Tool Gate · How it works

How the gate works

How the AI Receipt-Fraud Exposure gate works

This tool grades an expense program's exposure to AI-forged receipts. It scores 6 weighted controls into a 0–100 number — then a gate that can only make the verdict worse.

The 6 weighted controls

01Source-of-truth cross-checkabsentwt 24
02Sub-threshold pattern monitoringwt 20
03Prevention rails (virtual cards)wt 16
04AI-forgery / metadata checkwt 14
05Clear written policy & consequenceswt 14
06Approvers accountablewt 12
CONTROLLED
score 75+
SOFT SPOTS
score 50+
EXPOSED
below floor
Verification · worsen-only

Without an independent source-of-truth cross-check or sub-threshold pattern monitoring, the program is EXPOSED no matter how it scores. AI receipts are visually perfect and priced to duck the auto-approval line, so the other controls can't catch them — regardless of the score.

76/100
EXPOSED

Why: The program scores 76 — a CONTROLLED band. But the one control that verifies a claim against card, bank, or merchant data — the source-of-truth cross-check — is absent, so the gate forces EXPOSED. AI receipts pass a human's eyes; only an independent cross-check catches them.

Fix firstSource-of-truth cross-check — verify claims against card / bank / merchant data, not the receipt image.

A high score didn’t save it. The score is context; the gate is the answer — and it names the one thing to fix first. Your marks only, no benchmark. Grades the controls, not people.