The compliance operating system for payments.
Five pillars. One merchant record. One rules engine. One audit trail. Everything a compliance team needs — merged into a single, cohesive surface.
Five pillars. One system of record.
OneAI is not a fraud tool with an AML bolt-on. Every pillar shares the same merchant record, the same rules engine, and the same audit trail.
Fraud & Transaction Monitoring
Prevent risk before authorisation. Detect the rest in real time — with the context of a full compliance stack, not just a score.
- Transaction Pre-Check — Allow / Review / Block before auth
- 27-family monitoring rule library
- Explainable decisions with evidence attached
- Alert → investigation in one click
AML & Compliance Operations
Purpose-built for acquiring, PSP, and PayFac workflows — not retrofitted from bank tools.
- Sanctions & watchlist screening (OFAC · UN · EU · NG)
- SAR management & audit trail
- Escalation matrix to CCO
- Regulator-ready evidence packs
Merchant Risk Management
The industry's most complete merchant lifecycle — onboarding to offboarding.
- MID-level monitoring & reserves
- Website & descriptor verification
- Chargeback & revenue visibility
- Aggregator hierarchy tracking
Internal Fintech Operations
Replace the CRM + BI + Jira + Excel sprawl with one operational surface.
- Case management with SLAs
- Role-based approvals
- Rule & policy versioning
- Reporting across the org
AI Product Intelligence
The unique layer: an AI that behaves like a compliance officer + product manager.
- Auto-generates RFIs & MID governance
- Proposes defaults & policy questions
- Identifies missing decisions
- Turns operations into requirements
Alert to SAR — on rails.
Most fraud tools stop at ‘this looks risky.’ OneAI takes an alert all the way to a regulator-ready pack, without ever leaving the platform.
See RFI Automation and the MID Governor in production.
These are the two features most buyers ask about first. Both live in the platform today.