ValarIQ
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Use Cases

Governed autonomy for financial operations.

ValarIQ sits between autonomous agents and financial infrastructure. Start with refunds. Expand to payments, treasury, and account operations as your agent programme matures.

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, escalate, and deny bands per workspace policy
  • ✓Destination validation against authority profile
  • ✓Daily aggregate limits per agent
  • ✓Signed evidence on every decision: approved, escalated, or denied
  • ✓Lifecycle: historical decision preserved; current reliance reassessed when limits change
  • ✓Observe mode to model impact before enforcement

Why the COO cares

Autonomous refunds without uncontrolled risk

  1. 10,000refunds
  2. 8,400 ALLOWAutomatically processed
  3. 1,350 ESCALATEHuman review
  4. 250 DENYPolicy violation

Your people review the exceptions, not every transaction.

Put policy in the loop. Not people in every loop.

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
  • ✓Escalation to named Approver for high-value or new-beneficiary payments (dual Approver enforced for escalate ≥ £250 and dual_control action classes)
  • ✓Evidence linked to the decision, with re-verification when authority no longer covers the claim

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

Start with refunds. Scale to the full control plane.

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