Built for one problem. Built to solve it completely.

$220 billion in outstanding US medical debt. 100 million Americans carrying healthcare balances. And 64% of firms report account volumes surging past staffing capacity. — not because agencies don't want to work them, but because the math doesn't allow it. Human agents cost $25 to $118 per claim. Low-balance accounts — the majority of medical debt — are not economically viable to touch manually. That money left on the table.

Meanwhile, the agencies that do work their portfolios face an impossible trade-off: scale and accept more compliance exposure, or stay small and leave revenue on the table. More patients contacted means more agents on the floor. More agents means more human error. More human error means more lawsuits. Growth and compliance risk have been welded together for decades.

We started Xeritus to break that equation

The insight was architectural. Generative AI — the kind powering most voice tools — generates responses probabilistically. It tries to follow rules. It's prompted to be compliant. And most of the time, it is. Until it isn't. One hallucinated sentence. One skipped disclosure. One wrong state rule applied at 4:47 PM on a Friday. That's a class-action.

Deterministic AI works differently. Every response passes through a Constitutional Validator — an isolated compliance engine that checks against FDCPA, TCPA, Regulation F, HIPAA, and state-specific rules before a single word is spoken. The AI cannot say what it has not been approved to say. There is no probabilistic risk. Only binary compliance.

We didn't bolt compliance onto an existing voice platform. We made it the foundation and built everything else on top.

Xeritus was founded in October 2025. We are headquartered in Norway with US-based operations and infrastructure. Our team is small, our technology is production-grade, and our focus is absolute: autonomous voice AI for Tier 1 US medical debt collection. Nothing else.