The operating
system for
governed receivables recovery.
OrqOS orchestrates AI agents, teams, policies, channels, evidence and financial truth across the entire recovery journey — with authority, auditability and human control built into every decision.
Fragmented tools send messages.
An operating system governs outcomes.
In most operations the sequence fires in one tool, the negotiation happens in another, the agreement lives in a third and the payment lands in a fourth. Every boundary is a place where the creditor's policy stops applying and evidence disappears — discounts nobody approved, promises no system recognizes, a recovery number finance cannot reconcile. OrqOS closes those boundaries into one traceable trail.
Four planes.
One governed system.
From portfolio
to proven recovery.
Highlighted stops are governance gates: policy checks before contact, authority checks before concessions, and a truth layer — under active development — before recovery is counted. Acceptance is never displayed as payment.
Agents with mandates,
not free rein.
Every agent is an operational role: a mission, authorized tools, a policy boundary, a human escalation path and an evidence output. Note the supervisor queue — when a decision exceeds authority, the agent pauses and a person decides.
- Mission
- Structure and segment incoming portfolios.
- Tools
- ingestion, normalization, dedup
- Policy
- segment criteria v2
- Escalation
- data anomalies → ops
- Evidence
- segment snapshot per run
- Mission
- Run contact journeys per segment.
- Tools
- messaging, portal, email
- Policy
- cadence & channel limits
- Escalation
- no-response after N steps
- Evidence
- contact events
- Mission
- Conduct offers inside discount ranges.
- Tools
- proposal builder, calculator
- Policy
- discount range per segment
- Escalation
- above threshold → human
- Evidence
- proposal + concession events
- Mission
- Keep case states moving and consistent.
- Tools
- case state machine
- Policy
- transition rules
- Escalation
- stuck case → supervisor
- Evidence
- state-change events
- Mission
- Match confirmed payments to agreements.
- Tools
- ledger matcher
- Policy
- truth = confirmed only
- Escalation
- mismatch → finance
- Evidence
- reconciliation records
- Mission
- Watch thresholds and route exceptions.
- Tools
- queue, approvals
- Policy
- authority map v3
- Escalation
- always human-final
- Evidence
- approval events
- Mission
- Bind every action to immutable evidence.
- Tools
- event store
- Policy
- append-only
- Escalation
- tamper alert → compliance
- Evidence
- audit trail
What operators
actually see.
No ungoverned
AI action. Ever.
Recovery counts
when it is proven.
Acceptance is not cash.
Between "I accept" and reconciled value there are installments, breakage and payments that must be recognized. OrqOS is designed so financial truth stays server-governed: recovery is counted when payment is proven — never self-reported by a channel or an agent.
The payment, reconciliation and ledger layers are under active development on the product roadmap, and are always labeled that way across this site.
Every decision
leaves a record.
Illustrative event stream with synthetic identifiers — the payment and ledger events belong to the layer under active development.
Recover value.
Govern every decision.
A 30-minute conversation, no commitment. Bring your portfolio and your current workflow — we will show you where governance fits.