Financial infrastructure for AI agents

AI agents that earn, govern, and pay.

Wallets, programmable spending policies, and cryptographic audit trails for autonomous agents — so software can transact safely, under human control.

Try the demo API docs
UK Incorporated
AES-256-GCM
Security Audited
Immutable Audit Log

Beta — this is a live demo environment, not yet intended for production use.

agent-transfer.sh
# Transfer funds between AI agents
curl -X POST https://api.paygentic.cloud/v1/transfer \
  -H "Authorization: Bearer pg_live_sk_..." \
  -d '{
    "to": "wallet_agent_gpt4",
    "amount": 2500,
    "purpose": "Data analysis task"
  }'
# Policy enforced, audit logged
{
  "status": "completed",
  "policy_applied": "auto_approve_under_100",
  "audit_id": "aud_9x8y7z"
}

Agents are ready to transact. The infrastructure is not.

When money has to move, the workflow stops and a human steps in. Paygentic removes that bottleneck.

Without Paygentic
  1. 1Workflow pauses, awaits a human
  2. 2Person logs in and approves manually
  3. 3Payment made by hand in a banking app
  4. 4No policy, no attribution, no audit
With Paygentic
  1. 1Agent calls the payment API
  2. 2Policy engine checks amount, merchant, limit
  3. 3Within policy: settles in <50ms
  4. 4Above threshold: human approves; all audited
33
API Endpoints
<50ms
Decision Latency
99.9%
Uptime
Immutable
Audit Log
New regulatory frontier

KYA — Know Your Agent

KYC was built for humans. Agents have no passport and no face. KYA gives every agent a persistent identity, linked to its owner, with every transaction attributed and auditable.

Identity tiers

Anonymous → Verified → Enterprise, each with different limits and controls.

Behavioural verification

Flags anomalous agents from transaction and API-call patterns.

Owner attestation

Every agent is linked to a verified human or company.

Research Agent

agent_research_01

KYA Verified

Identity Tier

Verified

Owner Attestation

Confirmed

Spend Policy

Auto ≤$100

Audit Trail

Immutable

kya_0x4f8a2b1c...9d3e

No global standard yet exists for verifying agent identity — an open frontier Paygentic is built to help define.

Everything agents need to transact

Instant Wallets

Provision a wallet and API key per agent, programmatically.

Spending Policies

Limits, allowlists, and approval thresholds enforced at the API layer.

Immutable Audit

Every payment logged with full context; records can't be altered.

Webhooks & Approvals

Real-time events; approve via Telegram or email, no login.

Agent P&L

Track spend and earnings per agent — software with an income statement.

Agent-to-Agent

Agents pay each other directly, at machine speed, fully attributed.

Three steps to governed agent payments

01

Create an agent

Provision a KYA-verified wallet with limits and policies.

POST /v1/wallets
{ "agent_id": "gpt-analyst" }
02

Set policies

Limits, allowlists, and approval thresholds — enforced in the rails.

POST /v1/policies
{ "require_approval_above": 5000 }
03

Transact with audit

Agents pay within policy; every transaction is attributed and logged.

POST /v1/transfer
{ "to": "wallet_xyz", "amount": 500 }
Regulatory-Ready Infrastructure

Built for regulated financial services

A UK company (UNCONSTRAINED.CAPITAL LTD, #16269831) building agent payments to be compliant from day one.

🔒

AES-256-GCM

Authenticated encryption for all key material at rest.

📋

Immutable Audit

Database triggers block any change to audit records.

⚡

Policy at the Rails

Enforced in infrastructure, not in manipulable prompts.

🛡️

Security Audited

Structured review completed, May 2026.

Security & compliance overview

See it working

Explore the live demo — agent wallets, approvals, transfers, and a full audit log.

View live demo Browse the API