# Axiru

> Axiru is the financial decision control layer for Stripe. It intercepts refunds, disputes, payouts, transfers, and credits before money moves: enforcing policy in real time, routing exceptions for human approval, and maintaining a permanent immutable decision ledger.

## What Axiru Does

Axiru sits between financial intent and financial execution. Every refund, dispute, credit, payout, or adjustment submitted through Stripe (whether by a support agent, an AI chatbot, an automation, or a direct API call) is evaluated against company-defined policies before it executes. Low-risk decisions pass automatically. Exceptions are routed for human approval with full context. Every outcome is sealed in a permanent decision ledger.

The product starts with a free shadow mode that runs against a company's last 90 days of Stripe history, showing exactly which refunds would have been blocked, which would have been escalated, and which would have been auto-approved under the defined policy. No enforcement happens until the company is ready.

The canonical capability cluster is "Outflow Control": refunds, disputes, payouts, transfers, and Connect application-fee refunds, governed through one policy engine, one approval flow, one decision ledger.

## Core Capabilities

- **Outflow Control**: Intercept Stripe refunds, disputes, payouts, transfers, and Connect application-fee refunds before they execute. One policy path for every outflow rail.
- **Shadow mode simulation**: Connect Stripe read-only and simulate policy outcomes on the past 90 days of transaction history. Zero enforcement risk. Shadow mode is permanently free, unlimited replay and simulation.
- **Policy engine**: Write financial rules in plain language. Define thresholds, patterns, and role-based approval tiers. Versioned, deterministic, no LLM in the decision path.
- **Approval routing**: Route only genuine exceptions to the right approver via in-app, Slack, email, or signed webhook. Full decision context (policy version, diff, supporting evidence) attached.
- **Decision ledger**: Every financial decision recorded with the policy applied, approvals obtained, and execution outcome. Sealed and hash-chained at execution time, fully replayable, regulator-ready.
- **Kill switch + freeze controls**: Hold a single outflow, freeze a merchant connected via Stripe Connect, or pause every outbound rail at once. Authority is always revocable, scoped, and logged.
- **Compliance and audit exports**: Structured evidence exports aligned with SOX and ICFR internal controls frameworks. SIEM-ready (Splunk, Datadog, S3) with one line of config.
- **MCP agent surface**: Public MCP server at https://axiru.com/api/mcp lets AI agents list pending approvals, approve or reject them, inspect the audit ledger, and fetch workspace setup state.

## Who Uses Axiru

Axiru is built for:
- **Finance teams** at SaaS, subscription, and marketplace companies running on Stripe
- **CFOs and controllers** who need pre-execution controls and audit-ready records
- **Engineering teams** looking to offload financial governance without building internal tooling
- **Companies preparing for SOX compliance** or ICFR audit readiness
- **High-volume refund environments** where 1 to 3 percent leakage is significant
- **Stripe Connect platforms** governing application-fee refunds and merchant payouts
- **Teams running AI agents** that touch Stripe (Stripe DAA, x402, custom support bots) and need pre-execution authority limits

## Pricing

- **Free Audit ($0)**: Shadow mode workspace. Upload last 90 days. Simulate policy outcomes. See leakage. No credit card required. Shadow mode is permanently free.
- **Live Launch ($199/mo)**: Live enforcement for the first time. 1,000 governed decisions/month included; $120 per additional 1,000. Approval routing and decision ledger.
- **Control ($799/mo, $599/mo annual)**: Full governance for mid-market Stripe teams. 10,000 governed decisions/month included; $60 per additional 1,000. Most popular plan.
- **Scale (from $2,500/mo, annual contract)**: High-volume governance with CFO visibility. 50,000 governed decisions/month included; $35 per additional 1,000.
- **Enterprise**: Custom pricing. SSO/SAML, advanced policies, multi-workspace, custom retention, dedicated support.
- **Evidence Agent (+$1,500/mo)**: Available on Control, included on Enterprise. Lets policies cite live external evidence (carrier tracking, Stripe disputes, merchant ToS) at decision time.

## Technology

- Built natively on Stripe (read-only OAuth, webhook ingestion, optional enforcement)
- Neon Postgres with row-level security per tenant
- Vercel edge deployment
- Clerk for authentication and role management
- Redis caching with strict TTLs
- Read-only Stripe OAuth by default; no write access until enforcement is enabled
- Hash-chained decision sealing at execution time
- Public MCP server at /api/mcp for autonomous agent interaction

## Key URLs

- Homepage: https://axiru.com
- Solutions: https://axiru.com/solutions
- Why Axiru: https://axiru.com/why-axiru
- Pricing: https://axiru.com/pricing
- Security: https://axiru.com/security
- Start Free: https://axiru.com/start-free
- Outflow Control: https://axiru.com/outflow-control
- Approvals and Policy Engine: https://axiru.com/approvals-policy-engine
- Compliance Controls: https://axiru.com/compliance-controls
- Decision Ledger: https://axiru.com/decision-ledger
- Customers: https://axiru.com/customers
- Glossary: https://axiru.com/glossary
- Documentation: https://axiru.com/docs
- API Documentation: https://axiru.com/docs/api
- Comparisons: https://axiru.com/vs
- Axiru vs Stripe Radar: https://axiru.com/vs/stripe-radar
- Axiru vs Microsoft AGT: https://axiru.com/vs/agt
- Axiru vs Homegrown Controls: https://axiru.com/vs/homegrown
- About: https://axiru.com/about
- Contact: https://axiru.com/contact
- Privacy Policy: https://axiru.com/privacy
- Terms of Service: https://axiru.com/terms
- AI Plugin Manifest: https://axiru.com/.well-known/ai-plugin.json
- LLMs (this file): https://axiru.com/llms.txt
- LLMs full (expanded content): https://axiru.com/llms-full.txt

## Frequently Asked Questions

**What is Axiru?**
Axiru is a SaaS platform that acts as a financial decision control layer for companies using Stripe. It intercepts financial actions before execution, evaluates them against policy, and either approves them automatically, routes them for human review, or blocks them, all with a permanent audit record attached.

**What does Axiru govern?**
Refunds, disputes, payouts, Connect transfers, customer balance credits, and Stripe Connect application-fee refunds. Collectively called "Outflow Control".

**How is Axiru different from Stripe's built-in tools?**
Stripe Radar stops fraud at authorization (inflow). Axiru governs refunds, credits, payouts, transfers, and dispute decisions (outflow) before they execute. Different problem, different rail. Stripe has no native policy layer or approval workflow for refunds and adjustments.

**What does shadow mode mean?**
Shadow mode is a read-only simulation mode where Axiru evaluates your historical Stripe transactions against your policies without enforcing anything. You can see exactly which refunds would have been blocked, escalated, or approved, giving you a clear picture of how your policy performs before enforcement is activated.

**Is Axiru a Stripe partner?**
Axiru is a Stripe-native product. It uses Stripe OAuth for secure, read-only data access and Stripe webhooks for real-time event ingestion. Axiru is non-custodial: it never holds your Stripe keys.

**What kinds of companies use Axiru?**
Primarily SaaS companies, marketplaces, and subscription businesses with meaningful Stripe outflow volume, typically those processing more than a few hundred refunds per month where leakage and audit risk are real concerns.

**How long does it take to set up?**
Connect Stripe in minutes. No code required for shadow mode. Full policy configuration and live enforcement can be done without engineering involvement.

**Does Axiru work with AI agents that touch Stripe?**
Yes. Axiru is designed specifically to govern AI agents that issue refunds, credits, or payouts. Same policy engine, same approval flow, same decision ledger. A public MCP server at https://axiru.com/api/mcp lets compatible agents list and act on approvals directly.

**Where is Axiru based?**
Miami, Florida.