Trust & Compliance

In a regulated industry, trust is the product.

Guarantees

Six guarantees, built into the architecture.

Constraints in the system, not policies that bend under pressure.

01

Never off the approved script

Negotiation limits, plan structures, fee waivers and tone are enforced by rules outside the model. When a request falls outside what you approved, the agent says so and routes it rather than improvising an answer.

02

Nothing goes unlogged

Every contact, offer, response and outcome is timestamped and written back to your system, generated deterministically from what happened rather than summarised by a model. If a write fails, the case is flagged rather than quietly closed.

03

Identity before anything else

Identity is verified before any account detail or offer is discussed, on every channel. If it cannot be confirmed, the conversation ends without disclosing anything and the case goes back to the queue.

04

Consent and do-not-contact hold

Opt-outs, quiet hours and contact-frequency caps apply across voice, SMS, WhatsApp and email the moment they are registered.

05

A human in the loop where it counts

Disputes, hardship claims, legal threats and anything genuinely ambiguous route to your team by the escalation rules you define.

06

Built around the rules that govern you

Contact-time restrictions, required disclosures and regional consumer-credit rules shape every conversation by default, configured per market.

Ayra communicates and negotiates strictly within the terms you approve. It does not report to credit bureaus, alter the terms of an account, or finalise a settlement without your sign-off.
Questions

What compliance teams ask first.

What happens if a customer disputes the debt or asks for a human?

The conversation stops offering payment terms immediately and routes to your team with full context.

How do you handle consent and do-not-contact requests?

Opt-outs, quiet hours and contact-frequency limits apply across every channel the moment they are registered.

Is the conversation compliant with rules like FDCPA and TCPA?

Ayra is configured per market and per client to reflect the disclosures, contact windows and licensing rules that apply to your book.

How much control do we keep over negotiation terms?

All of it.

Can you prove to a regulator what was said?

Yes.

Does the AI ever pretend to be a person?

No.

Compliance capabilities are configured per market and per client. The frameworks and disclosures that apply depend on your jurisdiction and licensing.

Send this page to whoever has to approve it.

We would rather answer the hard questions now than discover them in month three.