The company was founded by ex-Mastercard executives to address the challenge of understanding and analyzing fees from payment schemes like Visa and Mastercard, which often results in overpaying fees. Torus' cloud-based analytical product enables banks and payment service providers to analyze their fees in a more granular way, reconcile and forecast them, and save up to 20% of costs. The predictive analytics tool automatically analyzes the bank's income and costs derived from interaction with card schemes and assists banks in cost optimization. Torus' model can allocate payment system fees down to a single card transaction level and identify areas for improvement, resulting in potential cost reductions of 5-10% within 3-6 months.