AI Compliance Coaches
Fourteen vertical-specific compliance advisors. Each coach knows the processor landscape, regulatory floor, and high-risk pitfalls of one industry. Returns structured decision objects, not free-form text.
Verticals
- CBD
- Crypto
- Nutra
- Adult
- Gaming
- Travel
- Firearms
- Pharma
- Dating
- Forex
- MLM
- Tobacco
- Supplements
- High-risk general
Endpoint
POST /api/v2/coach/{vertical}
curl -X POST https://www.merchantguard.ai/api/v2/coach/crypto \
-H "Content-Type: application/json" \
-d '{
"merchantState": {
"monthlyVolume": 500000,
"vampRatio": 0.011,
"country": "US"
},
"question": "Should I add 3DS to my high-risk BIN list this week?"
}'Decision object
{
"decision": "yes",
"confidence": 0.84,
"rationale": [
"VAMP ratio is 110bps; 3DS shifts liability and reduces dispute count.",
"High-risk BINs over-index for confirmed fraud; 30-50% reduction expected."
],
"actions": [
{ "id": "enable_3ds_high_risk_bins", "effort": "low" }
],
"warnings": []
}Nothing on this page is legal advice. Trademarks pending: MerchantGuard™ (Serial 99051215), GuardScore™ (Serial 99030125), AgentGuard™ (Serial 99462472). Patents 63/983,615 / 63/983,621 / 63/983,843 / 63/984,626 (provisional, filed Feb 17 2026). See LEGAL.md, PATENTS.md, DISCLAIMER.md.
