Payment for the AI Agent
A PayNote without a defined payee or amount, allowing an AI agent to select the recipient and execute the payment.
https://test-bank.com
Initiate New TransferProvide the payment details and continue to review.
$
Add a PayNote code to include additional payment instructions or references
Drag & drop PayNote file here
Supports .yml, .yaml, .json, .txt, .pdf
The customer sets a spend cap, item constraints, allowed merchants, and an expiry. The AI agent can choose the seller and finalize price within those rules; unused funds auto-release.
- For banks: controlled AI commerce that prevents out-of-policy purchases; predictable risk posture with caps, whitelists, and immutable terms; new revenue product (programmable pre‑authorizations).
- For card processors: safer delegated payments using tokenization and conditional captures; fewer disputes because buyer intent, limits, and rules are documented in the PayNote; straightforward settlement and reconciliation even when the seller is decided later.