Personalization is now a consumer-protection risk you have to control.

Tokto gives the retailer's risk and compliance officer one record that ties every personalization decision, every support interaction, and every customer data flow to a brand, a channel, and a consent record, ready for the FTC, the state AG, the card brand, the carrier, and the risk committee.

What you get with Tokto

• Every AI decision scored and recorded against a customer, a transaction, a channel, a model version, and a consent record.
• A single evidence layer that the FTC, the state AG, the card brand, the SOC 2 auditor, and the risk committee read against the same record.
• Policy enforced at the prompt: PCI data, biometric IDs, and loyalty PII blocked before tokens leave the boundary.
• AI risk that is measured by brand, controlled at the prompt, and attestable to the board and the card brand.

How it works

Tokto turns personalization exposure into a managed, evidenced risk. Every personalization model, every support co-pilot, every merchandising assistant becomes a scored record at the moment of output, tied to the customer, the channel, the consent in force, and the policy applied. The risk function sees exposure by brand before the FTC does.

When the FTC opens a personalization inquiry, when an AG opens a biometric case, when the card brand asks how cardholder data was governed, the answer is one query against the system of record. The CRO reports AI risk alongside privacy and PCI risk, with a control and a trail.

What goes wrong without it

• AI personalization risk is never measured. The first control test is an FTC ban.
• A facial-recognition feature ships without reasonable safeguards. The control gap is the order.
• A biometric feature ships in a BIPA state without consent. The register never flagged it.
• The card brand asks how cardholder data is governed in an AI flow. The CRO has a policy, not a record.