Misma ARM
Accounts receivable management

The agency system of record, rebuilt AI-first.

Agents work the accounts. Your people run the system. Every decision is an event, every refusal is a record, and nothing reaches a consumer without passing the gate.

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Compliance is structural

Consent, quiet hours, contact caps, and state rules are a deterministic gate in front of every send — not a policy document people are asked to remember.

Onboarding is a conversation

A system specialist agent interviews you, drafts your policy and treatments, and shows you the diagrams. You approve. Nothing applies itself.

Model proposes, human disposes

Agents can draft, route, and recommend. Applying configuration, certifying a go-live, approving a settlement — those need a named human, always.

Prove what you sent

Documents are content-addressed and hash-chained. "Show me exactly what this consumer received, and when" is a lookup, not an argument.

Try it before you trust it

Every agency starts in a full simulator with mock vendors and mock clients. You cannot go live until a human certifies the session.

Pay for what you use

Buy credits; the rate card prices every message, letter, minute, and token. Blocks never expire, and usage breaks out per item.