First commercial wedge
Autonomous Refunds
Agents process thousands of refund requests. Routine refunds auto-approve within policy. Unusual patterns, high-value amounts, and out-of-scope destinations escalate to a named operator.
How ValarIQ controls it
- ✓Amount thresholds — auto-approve up to £100, escalate to £500, deny above
- ✓Destination validation against authority profile
- ✓Daily aggregate limits per agent
- ✓Signed evidence on every decision — approved, escalated, or denied
- ✓Observe mode to model impact before enforcement
Payment Operations
Agents initiate payments, reversals, and exception handling. ValarIQ enforces amount, beneficiary, and transaction-type policies before execution reaches your PSP or banking API.
How ValarIQ controls it
- ✓Per-transaction and daily spend ceilings
- ✓Beneficiary allowlists and geography constraints
- ✓Action-type scoping — payment execute vs refund vs reversal
- ✓Dual approval for high-value or new-beneficiary payments
- ✓Execution reference linked to evidence pack
Treasury Operations
Agent-initiated transfers between accounts, liquidity movements, and reconciliation actions. Authority profiles constrain what each agent may move, where, and when.
How ValarIQ controls it
- ✓Source and destination account allowlists
- ✓Working-hours constraints for autonomous transfer
- ✓Rolling aggregate limits across treasury actions
- ✓Risk-based escalation for cross-entity or cross-currency moves
- ✓Kill switch to revoke agent authority instantly
Account Operations
Beneficiary changes, KYC updates, account status modifications, and customer data writes. ValarIQ governs which agents may change what — and requires human approval for sensitive mutations.
How ValarIQ controls it
- ✓Action scoping — read vs write, field-level constraints
- ✓KYC and beneficiary change escalation rules
- ✓Geography and entity boundaries per authority profile
- ✓Evidence trail for every account mutation
- ✓Policy-driven deny for out-of-scope changes