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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™ (pending), AgentGuard® (U.S. Reg. No. 8281464). Multiple U.S. provisional patent applications pending. See LEGAL.md, PATENTS.md, DISCLAIMER.md.