Introducing the TrueBiz Investigation Agent, ChatTRB

For decades, merchant underwriting has relied on a patchwork of static data checks and manual review. Analysts spend hours piecing together signals from websites, policies, reviews, and business records to answer a simple question: can we trust this business?

That world is changing.

With the rise of AI, merchant risk teams can now go beyond snapshots and compliance checklists to run true investigations in ways that are faster, deeper, and more consistent than ever before.

At TrueBiz, we’ve been building toward this future since day one. Our Web Presence Review made it possible to understand any business in 30 seconds, but we always knew there needed to be a next step: a way for analysts to ask questions directly and get structured, evidence-based answers.

That’s why we’re excited to launch the TrueBiz Investigation Agent (ChatTRB).

Why it matters

High-risk merchants aren’t standing still. They change tactics, hide behind connected entities, and test the limits of compliance frameworks. Static reports catch some of this but not enough.

What’s needed is dynamic investigation: the ability to follow threads, confirm suspicions, and adapt reviews in real time. That’s where ChatTRB comes in.

What ChatTRB can do

Ask Anything. Instead of navigating through dozens of static reports, analysts can ask ChatTRB direct questions: "Does this merchant's refund policy comply with market standards?" or "Are there signs of transaction laundering in their business model?" ChatTRB investigates and responds with structured analysis, not just raw data dumps.

Context-Aware Investigations. It blends TrueBiz’s unique business graph with open web searching, adapting its methods to each customer’s risk settings.

Explainable Results. Instead of scattered data points, ChatTRB connects the dots into a coherent analysis, giving both evidence and confidence.Each conclusion comes with supporting evidence, confidence levels, and clear reasoning so analysts can make decisions quickly and defend them easily.

Early customers are already using ChatTRB to:

• Confirm suspicions of fraudulent merchants

• Detect hidden risk signals before onboarding

• Add depth and evidence when approving legitimate businesses

The bigger picture

AI won’t entirely replace human judgment in merchant risk, but it will change the role of analysts. Instead of manually gathering and stitching together information, they’ll be directing investigations, weighing evidence, and making decisions with more confidence and less friction.

That’s the future we’re building at TrueBiz. And with ChatTRB, that future starts now.

ChatTRB is available now for TrueBiz customers, with general availability starting next month. We're already working on the next evolution: predictive investigation that identifies emerging risks before they become problems.

Ready to see ChatTRB in action? Schedule a demo to watch it analyze a real merchant case, or contact our team to discuss how it fits your risk workflow.