ROI-Optimizing Agents that Run Enterprises
Entry: Automate Chargeback Recovery for Wholesalers
Extending to Run Other Wholesaler Ops and then Ops in other Logistics Businesses And Move Across Industries with our Enterprise Agents.
Understanding Chargebacks
Chargebacks are fines imposed by retailers on wholesalers for failing to meet shipping and operational guidelines, directly impacting revenue. A common example is fines for incorrect product labeling.
Significant Revenue Loss
Chargebacks reduce wholesaler revenue by 1~8%, with over 20% being incorrect and disputable.
Painfully Manual Process
Disputes are complex, manual, and time-sensitive (30-60 days), requiring evidence from disparate systems.
High Cost, Low Recovery
Companies spend over $95,000 annually on analysts, yet recover only a fraction of incorrect chargebacks.
Not All Chargebacks Are the Same
Disputable
Retailer made an error - 20%
30 minutes per invalid chargeback is wasted
Dispute it → Get your money back
Relayable
Upstream party caused issue - 20%
Missed opportunity currently
Relay it → Pass the cost to vendor
Preventable
Compliance gap you can fix - 60%
Lack of trend understanding
Prevent it → Stop future leakage
100% of chargebacks are actionable but most teams don't have time to categorize, dispute, relay, AND analyze the to prevent future ones.
ROI-AI™: Autonomous Chargeback Recovery Platform
ROI-AI is an agentic AI compliance engine that (1) disputes invalid chargebacks, (2) relays valid one to the main offender by identifying the root-cause, (3) analyzes trends to prevent chargebacks in real-time.
Current State
Manual disputes disrupt operations
Issues discovered after chargeback
The wholesaler takes all the blame for chargebacks
Large compliance teams cross-checking at each stage
Financial inefficiency: all chargebacks are in one GL cost item
With ROI-AI
Autonomous evidence gathering and dispute
24/7 order to delivery AI monitoring to catch issues
Main offender is identified and the chargeback is relayed
Automated compliance alerts and 80% reduction in manual work
SKU-level understanding of chargeback contributions and better cash-flow planning
Addressable Market: From Niche to Global Dominance
Beachhead Market
U.S. Fast-Fashion Wholesalers
- Total Sales (2022): ~$172B
- Deductions: ~5% of Sales
- Our share: ~20% Deductions or 1% of Sales
$1.7B / yr
Next Horizon
U.S. Multi-Industry Wholesalers
- Total Wholesaler Sales in US
- Base: $11.4T+
$100B / yr
Long-Term Vision
Global Multi-Industry Wholesalers
- Global market is approximately 5x the size of the US market.
$500B+ / yr
Source: Annual Report for Wholesale Trade: 2022, Internal Market Research & Projections
Business Model – Shared Upside, Scalable Reach
Subscription Fee
A fraction of chargeback analysts headcount salary.
Performance Fee
20% of every verified dollar recovered.
Initial Go-to-Market Strategy
Target Executive
Chief Operating Officer (COO), CFO, or CEO
$100M+ Wholesalers
Enough technological backbone to enable adoption.
Ruby's Network and Channel Partnerships
Access to $100M+ players.
• Typical $100M+ client has $1~5M in chargebacks.
• We take ~20% outcome-based revenue, or ~$1M per client.
• There are 14,000+ similar companies across North America (source).
• Capturing 1% = $140M ARR opportunity.
• We take ~20% outcome-based revenue, or ~$1M per client.
• There are 14,000+ similar companies across North America (source).
• Capturing 1% = $140M ARR opportunity.
Competitive Landscape — Funding & Valuations
Our market demonstrates strong investor confidence, with significant funding and successful exits.
Key Takeaways
Category supports $1–3B+ private valuations (HighRadius), $1–2B strategic/PE exits (Billtrust).
Strategic interest is real in deductions (SupplyPike → SPS).
Our wedge (chargebacks) positions us between deductions specialists and finance-ops platforms.
Sources: press releases, SEC filings, news coverage (rounds & valuations).
Progress
Strategic Partners
Orly Inc.
A fast-fashion wholesaler with a nine-figure market cap, Orly Inc. is a key strategic ally.
- Paid design partnership is now active, with chargeback dispute agents rolling out.
- Orly is investing in ROI-AI and introducing us to additional wholesalers for distribution.
Bentex Group
A major player operating multiple wholesalers.
- Bentex Group operates multiple wholesalers (over $500M+ ARR).
- They manage back-office operations for new wholesalers to help them grow.
- Agreed to let us review all operations in their back office to help build the platform.
Channel Momentum: AMT & BlueCherry ERP
Working towards a significant partnership with AMT & BlueCherry ERP, a leading fashion wholesale platform.
- ERP embed: actively scoping embedding ROI-AI directly into AMT & BlueCherry’s platform.
- Establishing a co-sell motion to AMT & BlueCherry customers, with integration design in progress.
Funding Momentum
- Commitments from angels, VCs, friends and family.
MVP is Live
Our MVP is recovering chargebacks for our partners.
Financial Ask & Seed Use of Funds
Targeting raising $6M seed, pre-seed round of $1.5M build the product and sales pipeline with pilot design-partners.
Our Endgame from this Wedge defines our Competitive Edge
The Ops Autopilot Factory
Moonshot (Vision)
Rapid Automation
Companies will simply describe a goal, and our AI factory will build and deploy a secure team of autonomous agents to execute it within days.
Scalable Operations
We are perfecting our automation playbook in wholesale operations first. Our platform is built to then scale horizontally, seamlessly automating logistics, import-export, and eventually any core business process.
CEO Agent ($1T Market)
Our endgame is the CEO Agent: a top-level AI that translates executive intent into optimized action. It will autonomously set goals, allocate resources, and orchestrate the entire digital workforce to drive business outcomes.
Why Chargebacks First (Our Wedge)
Immediate ROI
Provides provable cash recovery and faster cycle times, demonstrating clear value from day one.
Forces Integrations
Requires essential integrations (ERP, WMS, EDI, portals, email) to build a robust, indispensable data spine of the moonshot.
Reusable Patterns
Establishes a reusable policy & evidence graph and repeatable agent patterns (intake → decide → act → reconcile).
Thank You
We appreciate your time and consideration.
For more information, please contact us at:
invest@roiai.finance
Appendix
Demo
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