Kauzio Lumi

Kauzio Lumi is building the decision layer every app will eventually need. Think about it—every software product on earth forces users to make choices: approve this loan, confirm this order, validate this user, flag this transaction. Most developers bake this logic into messy spaghetti code. Lumi says nah, just send a JSON question and get back a verdict. Plain JSON in, plain JSON out.

You drop one endpoint into your app, pass along whatever context you've already got—credit score, debt-to-income ratio, prior defaults, literally anything—and Lumi hands you back a clear decision (approve, deny, flag for review), a confidence score, the reasoning, and a cryptographically signed receipt your users can verify later. Latency comes in around 340ms. No model training, no fine-tuning, no data science team required. They're giving away 50 calls a month free, no credit card, to get developers hooked. Then it's £49/mo for indie devs and £149/mo for studios who need volume.

Here's why this matters: every app is becoming an AI app, and every AI app needs a decision layer. Right now developers are hardcoding if-else spaghetti that'll haunt them forever. Lumi is modular, auditable, and programmable—all the sudden your loan approval logic isn't buried in some legacy codebase, it's an API call you can swap, audit, and reason about. Get your API key in 30 seconds, ship in a day. The decision infrastructure play is quiet but enormous.