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.

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A category, not another collection tool

The market is full of software that sends messages, dials numbers and tracks tasks. OrqOS is built as something else: an operating system for governed receivables recovery — the layer where portfolio, policy, negotiation, agreements, payments and proof stop being separate systems and become one traceable operation. Recover value. Govern every decision.

The problem with fragmented recovery operations

In most operations, the outreach sequence fires in one tool, the negotiation happens in another, the agreement is recorded in a third and the payment lands in a fourth. Every boundary between systems is a place where the creditor's policy stops applying and evidence disappears. The symptoms are familiar: discounts nobody approved, promises the agreement system never saw, and a recovery number finance cannot reconcile.

The OrqOS operating model

OrqOS treats the journey from debtor intent to proven recovery as a single trail of formal states — each with an owner, a policy and a record:

Today, the trail is demonstrable from acceptance through agreement and installments; the payment, reconciliation and ledger layers are under active development on the product roadmap — and this site always labels them that way, never as fully shipped capability.

AI workforce, governed agents

AI agents in OrqOS are operators under policy — never economic authorities. Each agent has a defined role, authorized tools and explicit limits on what it may offer. What exceeds its authority escalates to a human. Every proposal, concession and acceptance becomes an auditable event, not a paragraph lost in a chat transcript. Read more in AI for debt recovery.

Policies, authority and human control

Policy in OrqOS is versioned and applied at execution time: discount ranges by segment, negotiation conditions, approval thresholds. Authority is explicit — what the automated channel may concede, what requires supervisor approval, what only a committee releases. Humans set policy, approve exceptions and can pause workflows. The system is designed for operational control, not uncontrolled automation.

Omnichannel orchestration

WhatsApp, debtor portal, email and voice are surfaces of the same governed negotiation. The proposal a debtor sees on any channel is generated from the same policy with the same limits, and acceptance on any channel lands on the same formalization trail. OrqOS is provider-agnostic: channels and providers are orchestrated, not hard-wired.

Financial truth and auditability

Acceptance is not cash. Between "I accept" and reconciled value there are installments, breakage and payments that must be recognized. OrqOS is designed so that financial truth remains server-governed — recovery is counted when it is proven, with an event-level audit trail from proposal to reconciliation. The final layers of that trail are under active development, clearly labeled.

Operational visibility

A command view over the operation: portfolio state, journey progression, agreement performance, policy versions in force and the evidence behind each decision — built so that when an auditor asks "who approved this, under which rule?", the answer is a lookup, not an investigation.

Enterprise architecture

OrqOS is structured in four planes: CORE, the shared foundation of state and truth; TENANT, where each creditor's policies, authority and data live in isolation; RUNTIME, where governed workflows and agents execute; and SURFACE, the channels and interfaces where people and debtors interact. The result is one operating model per creditor — with permissions that are tenant-specific by design. Explore the full map in Solutions.

Where to go next