Portfolio Data
Receive eligible account data, prior outcomes and approved contact information.
The Operating Model
From Portfolio Data to Completed Resolution.
ZeroBalanz turns account context and creditor-approved policy into a fully autonomous resolution workflow. The AI agent selects, calls, listens, negotiates and records the outcome without transferring the conversation to a human collector.
Six Connected Stages
One Account. One Governed Path.
The experience is autonomous, but the operating policy is defined before launch and evidenced after every interaction.
Policy Engine
Apply calling authority, timing, frequency, disclosures, exclusions and offer limits.
AI Outreach
Select the next action and begin the voice conversation through the approved channel.
Negotiation
Understand intent and affordability while remaining inside authorized resolution paths.
Confirmation
Restate terms and route the consumer into the approved payment-confirmation process.
Outcome Return
Return dispositions, commitments, stop signals and completed-payment status.
Integration Surface
Connect What the Agent Needs. Return What the Operation Needs.
A pilot begins with the smallest secure data exchange required to operate and measure a defined portfolio.
Account Placement
Eligible accounts, balances, contact details, account history, consent status and authorized resolution options.
Real-Time Decisions
Identity workflow, disclosures, intent recognition, negotiation boundaries, payment options and deterministic stop rules.
Operational Results
Contact outcomes, transcripts, dispositions, arrangements, opt-outs, disputes and payment-status feedback.
No Transfer
If no approved path is available, the agent closes or pauses the workflow and records the unresolved outcome. It does not improvise and does not transfer the call to a human collector.
Initial Market Focus
Built First for Auto and Financial-Services Portfolios.
The first operating focus favors portfolios with structured account data, defined payment options and measurable resolution economics.
Auto Finance + Consumer Credit
Initial programs are designed for lenders, servicers, portfolio owners and recovery operators managing delinquent or charged-off consumer accounts. The same operating model can later extend to healthcare, utilities, telecom and property-related receivables when the applicable rules and workflows are defined.
Map the First Autonomous Workflow.
We’ll identify the portfolio, operating rules, integration points and measurements required for a focused three-month proof of concept.
Start the Portfolio Assessment