PRAGMA: Revolut Foundation Model

Name: PRAGMA: Revolut Foundation Model
Uploaded: 2026-09-04T19:04:48.717643+00:00
Duration: 389 s
Description: PRAGMA is a foundation model designed to unify complex, variable-length user histories into embeddings. It uses a key–value–time tokenization and dual encoder branches to capture both static profile state and dynamic event sequences. The model achieves superior performance across six downstream tasks, including fraud detection, and is highly efficient using LoRA fine-tuning for deployment.

PRAGMA is a foundation model designed to unify complex, variable-length user histories into embeddings. It uses a key–value–time tokenization and dual encoder branches to capture both static profile state and dynamic event sequences. The model achieves superior performance across six downstream tasks, including fraud detection, and is highly efficient using LoRA fine-tuning for deployment.

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