For aggregators
The aggregator model — first-class.
Most compliance tools were built for banks. OneAI was built for the aggregator model, where sub-merchants matter as much as the parent.
What aggregators deal with today
Sub-merchant sprawl with inconsistent policy.
Fraud tools that don't understand the hierarchy.
AML tools that only see the top-of-tree merchant.
Chargebacks rolled up but never drilled down.
Regulator asks for lineage; the team assembles it manually.
New sub-merchant categories launched without governance sign-off.
What you gain
What OneAI ships to your aggregator business
Hierarchy-native data model
Aggregator → sub-merchant is first-class, not a hack.
Per-sub-merchant monitoring
Rules apply at any level, not just the parent.
Policy inheritance
Set at the parent; overridden per child; audited.
MID Governor
Autonomous MID-level policy with maker-checker across the tree.
Portfolio + drill-down
One dashboard, portfolio to sub-merchant.
Regulator export
Lineage evidence pack, one click.
A day in the loop
From aggregator activity to regulator evidence
- 01Aggregator ingestedFull hierarchy replicated in real time.
- 02Rules apply per levelPortfolio, aggregator, and sub-merchant thresholds.
- 03Deviation isolatedSub-merchant flagged without punishing the parent.
- 04RFI or policy changeAuto-drafted RFI, or MID Governor policy update.
- 05Evidence exportedOne click, lineage-preserving pack for the regulator.
Ready to see it?