Live · in production today
RFI Automation & the MID Governor.
Most monitoring platforms stop at ‘this looks risky.’ OneAI closes the loop — alert → RFI → merchant response → policy action → SAR — with the human still in charge, but the plumbing done.
RFI AutomationLive
From alert to merchant response, on rails.
An alert without merchant context is a dead-end. OneAI drafts a structured RFI when a rule fires, sends it via a secure portal, tracks the SLA, and lands the response on the merchant record.
Automatic drafting
OneAI turns an alert into a structured RFI in one step.
Structured templates
By alert type, region, and merchant category.
SLA tracking
Reminders, escalations, and audit-worthy timestamps.
Merchant portal
Secure inbox for evidence — no email attachments.
MID GovernorLive
Merchant-level policy, autonomous but accountable.
Reserves, thresholds, descriptors, and website checks — proposed by the Governor, versioned in git-like history, and approved by humans. Nothing changes without an audit trail.
Autonomous policy
Reserves, thresholds, descriptor rules — proposed, versioned, and applied.
Maker-checker on everything
Every policy change reviewed and approved before it takes effect.
Website & descriptor checks
Continuous monitoring, not point-in-time onboarding.
Aggregator hierarchy
Policy inheritance and per-sub-merchant overrides.
The autonomous loop
Eight steps. One system of record.
Every stage lives on the same merchant. Every action is auditable. Nothing gets lost in inboxes or spreadsheets.
01
Transaction activity
Continuous ingestion across MIDs, aggregators, processors.
02
Rule fires
Governed rules with maker-checker and version history.
03
Alert + explanation
Every alert ships with its evidence attached.
04
RFI drafted automatically
Structured template, evidence prefilled, SLA set.
05
Merchant responds
Secure portal, documents land on the merchant record.
06
MID Governor applies policy
Reserves, thresholds, descriptors — versioned + approved.
07
Compliance decision
Analyst → team lead → CCO with clear escalation.
08
SAR · Case · Clearance
Regulator-ready pack with the full audit trail.
Before vs. after
What changes when the loop is closed.
Before OneAI
- Alerts pile up in an inbox waiting on a human to write to the merchant.
- Every investigation restarts context from scratch.
- MID policy changes happen in Slack, then get lost.
- Reserves are a spreadsheet nobody trusts.
- SAR takes a week of copy-paste to assemble.
With OneAI (live)
- Alert triggers an auto-drafted RFI. Merchant sees it in a secure portal within minutes.
- Every response lands on the merchant record forever.
- MID Governor proposes policy; humans approve; audit trail written.
- Reserves are managed centrally, per-MID, with maker-checker.
- SAR assembles itself from the evidence already on the case.
Ready to see it live?