ValarIQ

Product

The control plane for autonomous financial operations.

Identity, delegated authority, transaction policy, risk evaluation, approval orchestration, and independently verifiable evidence — before money moves.

From logs to defensible evidence.

Agent Identity Registry

Know every non-human actor with financial authority.

Register agents with cryptographic identity, version tracking, and explicit scopes. Every financial action is attributable to a known autonomous actor — not an anonymous API call.

  • Cryptographic agent certificates
  • Version and scope tracking
  • Revocation and kill switch
  • Owner accountability mapping

Agent Authority Profiles

Define what each agent may do.

Authority profiles constrain autonomous actors to delegated financial permissions — not blanket API access.

  • Actor — which agent identity is acting
  • Owner — accountable human or team
  • Permitted actions — refund, transfer, account change, etc.
  • Max amount — per-transaction ceiling
  • Daily aggregate — rolling spend limit
  • Allowed destinations — beneficiaries, accounts, rails
  • Geography — permitted jurisdictions
  • Working hours — when autonomous action is permitted
  • Escalation — who approves exceptions

Policy Engine

WHEN conditions THEN ALLOW / DENY / ESCALATE.

Transaction policy evaluates every financial action against your rules. Low-risk actions proceed automatically. Exceptions escalate. Prohibited actions are blocked.

Routine refund — auto-approve

WHEN action = "refund"
  AND amount <= 100
  AND destination IN authority.allowed_destinations
  AND within_working_hours(agent)
THEN ALLOW

High-value refund — escalate

WHEN action = "refund"
  AND amount > 100
  AND amount <= 500
THEN ESCALATE approver = authority.owner

Out-of-policy transfer — deny

WHEN action = "transfer"
  AND destination NOT IN authority.allowed_destinations
THEN DENY reason = "destination_not_permitted"

Decision Engine

Every request evaluated at the execution boundary.

Agent request

Identity

Authority

Policy

Risk

ALLOW / ESCALATE / DENY

Identity and authority are verified first. Policy and risk scoring determine the outcome: straight-through execution, human escalation, or denial.

Approval Orchestration

Human-in-the-loop when policy requires it.

Single approval

One named approver for exceptions above policy threshold.

Dual approval

Two independent approvers for high-value or sensitive actions.

Risk-based routing

Escalation path determined by risk score, amount, and action type.

Timeout handling

Pending approvals expire with configurable default (deny or notify).

Evidence Vault

Decision evidence objects — not logs alone.

Every decision produces a signed evidence pack with cryptographic integrity. Auditors and regulators get defensible proof of who acted, under what authority, and which controls were applied.

Evidence object contents

  • action_id
  • agent_id
  • agent_version
  • authority_profile
  • requested_action
  • policies_evaluated
  • risk_score
  • decision
  • human_approver
  • timestamp
  • execution_ref
  • outcome
  • hash

From logs to defensible evidence.

Request a sandbox and wire your first refund path.