# Marqo — Financial Operations Platform for Telco Operators
> https://marqopay.com
> Operated by Hyperwise LLC

Marqo is a five-layer financial operations platform built for telco operators — ISPs, WISPs, MVNOs, and regional carriers. It provides revenue assurance, payment orchestration, execution governance, and subscriber financial services. The platform is deployed white-label under the operator's own brand, or modularly integrated with existing billing stacks. Operators keep their current systems. Marqo adds the reconciliation, governance, and financial services layer those systems were never designed to provide.

## What Marqo Does

Marqo sits beneath the operator's existing billing stack (Sonar, Splynx, Rev.io) and governs three categories of operations:

1. Revenue assurance — reconciles CDR event data against invoice and collections records, finds billing leakage, and produces a cryptographically signed compliance evidence package aligned to BEAD, RDOF, FCC BDC, and PE covenant standards.

2. Payment orchestration and governance — ACH payment initiation, automated failed payment recovery, dunning workflows, and a GO/NO-GO execution firewall (MQ Govern) that evaluates every financial action before it executes. Sub-200ms response. Every decision is Ed25519-signed and hash-chained.

3. Subscriber financial services — white-label financial ecosystem deployed under operator brand: wallet, flexible billing, micro-credit, rewards, peer transfers, credit score building, local deals, hardware coverage.

## The Five-Layer Platform Stack

- Layer 1 (Building): Data — clean-up, consolidation, migration. Fragmented CDR, billing, ERP, and network data normalized to a canonical schema. Single source of truth.
- Layer 2 (Building): Dynamic Billing — usage-based, event-driven, real-time rating. Governed execution on every billing action.
- Layer 3 (Live): Revenue Assurance — MQ Reconcile. CDR ingestion, billing leakage detection, AUP-aligned evidence. IDVA methodology. Zero-risk diagnostic entry point.
- Layer 4 (Live): Payment Orchestration + Execution Governance — MQ Pay + MQ Govern. ACH orchestration, failed payment recovery, GO/NO-GO firewall, Ed25519 audit trail.
- Layer 5 (Live): Subscriber Financial Services — MQ Wallet Suite. Wallet, Flex, Lend, Split, Score, Rewards, Send, Care, Deals.

## Modules

- MQ Reconcile: Revenue assurance and billing leakage detection
- MQ Finance: AP automation, invoice processing, ERP write-back (Maker/Checker)
- MQ Pay: ACH orchestration and automated failed payment recovery
- MQ Govern: Execution firewall — GO/NO-GO/EXCEPTION on every financial action before it executes
- MQ Wallet: Subscriber wallet, bill payment, fund loading
- MQ Flex: Split any bill into 3 payments, flat fee, no interest
- MQ Lend: Micro-credit and peer lending within the subscriber network
- MQ Split: Split a bill across multiple subscribers
- MQ Rewards: Cashback on bill payments
- MQ Score: Credit score building through on-time payment behavior
- MQ Deals: Local merchant discounts for subscribers
- MQ Send: Peer-to-peer transfers between subscribers
- MQ Care: Hardware coverage and support subscription
- MQ Identity: Multi-tenant identity, SSO, MFA, RBAC (Arkon under the hood)

## Revenue Assurance Diagnostic

The diagnostic is Marqo's entry product. It is a managed 30-day engagement — not a SaaS product. The operator provides read-only API credentials to their Sonar or Splynx environment. Marqo runs the reconciliation pipeline using an AI-assisted matching engine, classifies every billing exception by type and dollar value, and delivers four deliverables:

1. Leakage Report — every billing exception classified and quantified in dollars
2. Compliance Evidence Pack — gap analysis against BEAD, RDOF, FCC BDC, and state broadband grant standards
3. Recovery Roadmap — ranked corrections by dollar impact and implementation effort
4. AUP Evidence Package — cryptographically signed, satisfies regulators, lenders, and internal audit simultaneously

Zero-risk guarantee: if documented monthly leakage opportunity does not exceed the engagement fee, the fee is waived in full. The operator keeps all four deliverables.

Minimum engagement: operators with 30,000+ subscribers. Sonar and Splynx environments supported.

## IDVA — Independent Data Verification Agent

Marqo operates as an Independent Data Verification Agent (IDVA). This is a positioning construct coined by Hyperwise LLC. It means Marqo enters the operator's environment with read-only access, performs mathematical reconciliation against the operator's own records, and produces cryptographically signed findings. Every finding is a mathematical fact derived from the operator's own data — not an accounting opinion. The methodology is AUP-aligned (Agreed Upon Procedures — the same standard CPAs use). Output satisfies three reviewer types simultaneously: regulatory/grant program, lender/capital provider, and internal audit/board.

## Governance Architecture

Every financial action processed through Marqo passes through MQ Govern (powered by the Guardian/Layer3X execution firewall) before it executes. The firewall returns GO, NO-GO, or EXCEPTION in under 200 milliseconds. Every governance decision is recorded as a Governed Decision Object (GDO) — Ed25519-signed, SHA-256 hash-chained, append-only, and deterministically replayable. The audit trail is tamper-evident and can be replayed years later to reconstruct exactly what was authorized and why.

## Deployment Models

- Full white-label: operator takes the entire Marqo platform under their own brand. Subscribers never see Marqo.
- Modular: operator selects individual MQ modules and integrates them with existing billing systems.
- No rip-and-replace required. Operators keep Sonar, Splynx, Rev.io, or any existing billing platform.

## Technology

- Frontend: React (progressive web app, no App Store required)
- Backend: Supabase (PostgreSQL, row-level security, edge functions)
- Payments: ACH via Dwolla; Rev.io integration for billing system connectivity
- Identity: Arkon (Microsoft Entra PKCE, MFA, RBAC, multi-tenant)
- Governance: Layer3X execution firewall (Guardian), sub-200ms, MCP-native
- Audit trail: Ed25519-signed, SHA-256 hash-chained, append-only
- Infrastructure: Azure Container Apps, Azure Container Registry
- AI matching engine: Claude (Anthropic) used in reconciliation pipeline for CDR-to-invoice matching

## Target Operators

- Mid-market ISPs and WISPs with 30,000–200,000 subscribers
- Operators running Sonar or Splynx billing platforms
- BEAD subgrantees subject to 2 CFR Part 200 Uniform Guidance
- RDOF, USF, ReConnect, and state broadband grant recipients
- PE-backed operators under covenant review or refinancing
- MVNOs and regional telcos with no formal revenue assurance function

## Company

Marqo is operated by Hyperwise LLC (Wyoming, US). The platform is built on the same reconciliation and governance infrastructure as Prudenze — Hyperwise's AI governance platform for banking. The telco modules are a reconfiguration of proven infrastructure for the telco regulatory and operational context.

Contact: info@hyperwise.io
Domain: marqopay.com
Parent company: Hyperwise LLC