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Business Rules Management System

The Business Rules Engine That Goes Further

Most rules engines model decision logic and execute it fast. And that's where they stop. Ours goes further, connecting your rules to live data, AI models and agents, application screens, workflows, and case management in one unified platform built for financial services.

 

  • Visual rule authoring — simple to complex logic
  • ML models and AI embedded directly into rule flows
  • 350+ data integrations within your decisioning logic
  • 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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Vanquis
Moneybarn
Deutsche Leasing
Mann Island
Payone
Interbridge Mortgages
Investec
Vida Bank
Shawbrook
Rapyd
Schwarz Gruppe
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

Capabilities

One Platform. Rules, Data, AI, and Beyond.

Zoot's WR Builder® is a business rules management system (BRMS) built for the full origination journey — not just the decision at its centre.

platform-image

Visual Rule Authoring & 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. Full version control and audit trail built in.

Data Orchestration & Acquisition

Connect to 350+ data sources globally — credit bureaus, open banking, KYC/AML, fraud detection, and internal systems — directly within your rule flows. Cascading and fallback strategies, attribute management, and real-time data mapping all managed in one place.

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. LLM-agnostic by design — Zoot connects and orchestrates it within your decisioning logic.

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. No stitching together separate tools.

We now have direct hands-on control over our onboarding rules [...] 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.

Chief Risk Officer
450+ integrations

Plugs into the stack you already run

Pre-built, certified connectors to credit bureaus, identity and fraud providers, open banking platforms, core banking systems, and internal data sources — across Europe and globally. All managed through one integration layer within the platform.

Experian
Equifax
LexisNexis
Mastercard
Codat
Companies House
Coface
Cifas
AccountScore
Schufa
American Express
Citi
Microsoft Azure
Adobe
Veriff
Emailage
Arvato
Mailgun
Cecabank
Explore the Data Marketplace

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.
Ready to build your own rules?

Get in touch

Whether you're exploring solutions or have a specific challenge in mind — we're here to help. Book a 30-minute discovery call with a Zoot Solutions expert. We'll map your use case and plan how Zoot can help.

  • Tailored to your use case — not a canned demo
  • Led by a Zoot Solutions expert, not a sales rep
  • Clear view of fit, effort, and next steps

Book a Discovery Call

We'll reply within one working day.

By submitting this form you agree to our Privacy Policy. We'll never share your details with third parties.

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