§ 1
In brief
Agents
Read the views
the same tables people see
Agents
Propose
with evidence and a confidence
A person
Decides
accepts or declines
The platform
Records
the decision, as a fact
the views change, and the agents read again
agents never move money
- Read only
- An agent reads views and writes only its own findings; it never moves money.
- Evidence
- Each finding links to the records it rests on and states a confidence; agents add to each other’s findings.
- The right to decide
- Accepting a proposal needs the right the proposal would use; an agent never lends a person a power.
- Autonomy by policy
- What agents may do alone is a policy of the unit; the demo group allows proposals only.
§ 2
In detail
2.1
Who watches what
Agents stand along the flow of payments, each at the stage it watches. They read the same views as the cabinets, notice what a person would want to know, and consult each other.
Demo scene 1
Agents along the flow
Each agent at the stage it watches; the number in each mark is what waits for a person now. Under the drawing, what each agent does and for which roles.
Sentinel
Watches attempts for fraud: card testing, sudden amounts, mismatched countries.
for: Risk and fraud · Online operations · Hierarchy administrator
Navigator
Replays the history of payments under each routing strategy, compares what every bank’s terms would cost, online and at the tills, and proposes a strategy, a terminal bank or an on-us clause to negotiate.
for: Payments manager: routing and costs · Hierarchy administrator · Online operations
Reconciler
Reconciles every settlement batch three ways — the merchant’s records, the provider’s report, the bank’s credit — and finds fees above the terms, missing reports and missing credits.
for: Finance controller: reconciliation · Online operations · Hierarchy administrator
Collector
Follows invoices to their due date and proposes reminders.
for: Online operations · Merchant owner
Analyst
Reads alerts and onboarding cases, drafts the narrative, proposes escalation or closure.
for: Risk and fraud
Dispute clerk
Gathers evidence for disputes before the deadline: receipt, 3-D Secure, delivery.
for: Online operations
Integration copilot
Reads webhook deliveries and API calls, explains failures, proposes fixes and retries.
for: Integrator · Hierarchy administrator
2.2
The rule: agents propose, people decide, the platform records
- An agent reads views and writes only its own findings. It never writes a fact of an order, an invoice, an attempt, a payment or a settlement.
- Every finding carries its evidence — links to the facts it rests on — and a confidence; other agents add what they know.
- Accepting a proposal needs the right to decide on agents and the right the proposal itself would use; an agent never lends a person a power they do not have.
- What agents may do alone is a policy of the unit; nothing that touches money or a person’s standing is ever treated as low-risk.
- A finding about a standing condition belongs to a series: found again, the newer finding replaces the open one; no longer found, the open one is closed.
2.3
Findings of the demo
A routing change that a person accepted, a claim waiting for the finance controller, and an alert of the fraud watch with its evidence.
Demo scene 2
A proposal and its decision
A routing proposal with its evidence, and the decision with the role that took it.
Online routing: on-us first would cost less
Replaying the last 14 days: 387 card payments cost ₴8,297.55 in acquiring fees as routed (27 % on-us). Routed on-us first, the same payments would have cost ₴6,014.11, with 56 % on-us and an expected change in approvals of 0.5 pp — about ₴4,893.09 a month less.
- approval_first · approval first: ₴8,297.55
- least_cost · least cost: ₴6,014.11
- on_us_first · on-us first: ₴6,014.11
Proposes: change a policyneeds a personSet the routing strategy of Yarmarok Retail Group to on-us first. Acquirers below the 90 % approval threshold stay out.
accepted and carried out · payments manager: routing and costsDemo scene 3
A claim waiting for a decision
A proposal of the reconciliation agent, still open.
Acquiring 2: fees above the agreed terms
30 batches from 2026-10-14 to 2026-10-19 were charged ₴113,226.19 more than the terms give for the cards in them. The breakdown shows debit cards priced as corporate cards.
- stl_acq-2_rt-eas… · Yarmarok Hyper · Kharkiv, Nauky Ave, 2026-10-19: +₴8,898.95
- stl_acq-2_rt-eas… · Yarmarok · Dnipro, Yavornytskoho Ave, 2026-10-19: +₴3,236.79
- stl_acq-2_rt-eas… · Yarmarok · Zaporizhzhia, 2026-10-19: +₴2,740.62
- stl_acq-2_rt-eas… · Yarmarok Poruch · Poltava, 2026-10-19: +₴838.14
- stl_acq-2_rt-eas… · Yarmarok · Kharkiv, Saltivka, 2026-10-19: +₴2,538.56
- stl_acq-2_rt-eas… · Yarmarok Hyper · Kharkiv, Nauky Ave, 2026-10-18: +₴9,597.57
Proposes: raise a claimneeds a personRaise a claim with Acquiring 2 for ₴113,226.19, with the batches and their breakdown attached.
waiting for a personDemo scene 4
An alert of the fraud watch
A finding of the fraud watch with its evidence.
An amount far above the usual
₴121,560.80 is 80× the merchant’s median payment (₴1,524.10).
Proposes: open an alertneeds a personOpen an alert to check the customer and the order before it ships.
accepted and carried out · risk and fraud2.4
Deterministic in the demo
In the demo each agent is a deterministic analyser standing in for a model: the same views always give the same findings, so every finding can be checked against its evidence. A model would take the same place — read views, write findings, propose — and would never be called inside the processing of a payment.
§ 3