●Agentic Payment Infrastructure

The payment rails for AI Agents.

Wire up an Agent for secure, compliant, cross-border payment in under ten minutes — within boundaries you set.

Get in touch Read the whitepaper

Large models give Agents the ability to think. Payment infrastructure gives them the ability to act.

tubo cli›agent.ts

live

src/

▸agent.ts

vault.policy.ts

kya.config.ts

.env

1import { Agent, Vault } from "@tubotech/sdk";23const agent = Agent.bind({ kya: "agt_a3f…" });4const vault = Vault.policy({ daily: 50_000, scope: "travel" });56// Within boundaries — Agent executes the payment.7await vault.transfer({ to: "vendor_42", amount: 12_000 });

tubo · console·policy: travel · daily $50,000

12:04:18kyaverify · agt_a3f… → trust 0.92
12:04:18compliancecheck · US-NY, SG → pass
12:04:19vaultauthorize · $12,000.00 → tx_7e2f3a
12:04:19settleroute · omnipay · eta T+0
▸ready

Five lines from import to first authorized transfer.

01The Gap

Agents can think. They still can't act.

Today's Agents reason, plan, and call APIs — but the moment money moves, they hit a wall. Existing payment networks lack Agent-native identity, credit, and compliance primitives. Cross-border, multi-currency, and B2B settlement layer on KYC / AML / CFT / Sanctions / Travel Rule complexity that no LLM can navigate alone.

L2 Reality

Agents draft, humans approve and execute. The bottleneck is human, not model.

L3 Threshold

Within preset boundaries, Agents execute payments themselves — but only with the right rails underneath.

02L0 → L5

Autonomy levels for Agentic Payment.

A SAE-style progression. We are unlocking L3 today.

L0
L0
Manual
Humans initiate every payment. Agents are pure UI.
L1
L1
Notify
Agents flag opportunities. Humans decide and execute.
L2
L2
Advise
Agents draft transactions. Humans approve, sign, and execute.
L3We are here
L3We are here
Bounded Execute
Agents execute autonomously within preset budget, scope, and risk boundaries.
L4
L4
Open Autonomous
Agents transact across novel counterparties with behavioral and system-level trust.
L5
L5
Agent ↔ Agent
Agents discover, negotiate, and settle directly with other Agents at machine speed.

03Payment Lego

Six modules. Pick what you need.

Composable building blocks that turn an LLM Agent into a regulated financial actor.

customer

Agent Application

AI Agents invoke payments via MCP / APOP

TuBo stack

Identity & Credit
KYA verifiable credentials · WISE multi-dimensional score
Compliance & Risk
KYC / KYB / AML / CFT / Sanctions / Travel Rule, enforced as code
Programmable Vault
Multi-channel routing · Conditional triggers · Cross-border settlement

KYA Identity

Know Your Agent

Verifiable digital credentials for AI Agents. Replaces traditional KYC for non-human actors with cryptographic provenance, principal binding, and revocable scope.

Agent.bind({ kya: "agt_a3f…" })

WISE Credit

Multi-dimensional trust score

Wealth, Identity, Social, and Engagement signals composed into a real-time creditworthiness score Agents and counterparties can act on.

wise.score(agent) → { trust: 0.92 }

Compliance Engine

LLM-native regulatory reasoning

KYC / KYB / AML / CFT / Sanctions / Travel Rule enforced as code, with multi-jurisdictional reasoning at transaction time.

compliance.check({ jurisdiction: "US-NY" })

Risk Control

Fraud + behavioral anomaly

Real-time behavioral fingerprints, FX risk hedging, counterparty assessment, and network-level relationship analysis.

risk.flag(tx) → undefined

Vault Engine

Programmable payment vault

Multi-channel routing, conditional triggers, authorization boundary enforcement, and cross-border settlement under a single programmable interface.

vault.policy({ daily: 50_000 })

Agent SDK

MCP + APOP native

Drop-in SDK aligned with Anthropic's MCP and UnionPay's APOP. Ten minutes from import to first authorized transaction.

import { Agent } from "@tubotech/sdk"

01 / 06Know Your Agent

KYA Identity

Verifiable digital credentials for AI Agents. Replaces traditional KYC for non-human actors with cryptographic provenance, principal binding, and revocable scope.

Agent.bind({ kya: "agt_a3f…" })

02 / 06Multi-dimensional trust score

WISE Credit

Wealth, Identity, Social, and Engagement signals composed into a real-time creditworthiness score Agents and counterparties can act on.

wise.score(agent) → { trust: 0.92 }

03 / 06LLM-native regulatory reasoning

Compliance Engine

KYC / KYB / AML / CFT / Sanctions / Travel Rule enforced as code, with multi-jurisdictional reasoning at transaction time.

compliance.check({ jurisdiction: "US-NY" })

04 / 06Fraud + behavioral anomaly

Risk Control

Real-time behavioral fingerprints, FX risk hedging, counterparty assessment, and network-level relationship analysis.

risk.flag(tx) → undefined

05 / 06Programmable payment vault

Vault Engine

Multi-channel routing, conditional triggers, authorization boundary enforcement, and cross-border settlement under a single programmable interface.

vault.policy({ daily: 50_000 })

06 / 06MCP + APOP native

Agent SDK

Drop-in SDK aligned with Anthropic's MCP and UnionPay's APOP. Ten minutes from import to first authorized transaction.

import { Agent } from "@tubotech/sdk"

← swipe →

04Standards

Built on the rails the world is converging on.

Two protocol families, one Agent. International and domestic, day one.

MCPModel Context Protocol

›

Anthropic · Linux Foundation AAIF

9.7B+monthly SDK downloads

APOPAgentic Payment Open Protocol

›

China UnionPay · launched April 2026

19launch partners

x402HTTP 402 payment protocol

›

Coinbase · 2025

Openagent payment standard

MCPModel Context Protocol

Anthropic · Linux Foundation AAIF

9.7B+

monthly SDK downloads

APOPAgentic Payment Open Protocol

China UnionPay · launched April 2026

launch partners

x402HTTP 402 payment protocol

Coinbase · 2025

Open

agent payment standard

05Use Cases

What L3 unlocks.

Real value moving through Agents — within boundaries, at machine speed.

B2B Auto-Procurement

01 / 04

Agents source, quote, negotiate, and settle within procurement policy boundaries.

5 days2 hours·70% less human approval

Travel Expense

02 / 04

Compliance reasoning at swipe time replaces month-end reconciliation.

Post-hoc auditReal-time compliance·0 reimbursement lag

API Subscriptions

03 / 04

Agents pick optimal model and tool APIs based on real-time price-performance.

Manual selectionCost-perf optimal·Per-call billing

Cross-border B2B

04 / 04

Agent-driven settlement with 100% automated Travel Rule compliance.

3–5 daysT+0·15–30% cost savings

B2B Auto-Procurement

01 / 04

Agents source, quote, negotiate, and settle within procurement policy boundaries.

5 days2 hours·70% less human approval

Travel Expense

02 / 04

Compliance reasoning at swipe time replaces month-end reconciliation.

Post-hoc auditReal-time compliance·0 reimbursement lag

API Subscriptions

03 / 04

Agents pick optimal model and tool APIs based on real-time price-performance.

Manual selectionCost-perf optimal·Per-call billing

Cross-border B2B

04 / 04

Agent-driven settlement with 100% automated Travel Rule compliance.

3–5 daysT+0·15–30% cost savings

← swipe →

06Team

Operators who shipped payment rails before.

Previously at

10+ years in tech · 8+ years in fintech infrastructure · One successful fintech exit

07Partners

$1M seed. Built for global rails.

Lead Investor

HT Capital

Family office

Network partners

08Get started

Give your Agent a license to act.

Reach out for a technical deep-dive, integration access, or partnership conversation.

Whitepaper

The payment rails for AI Agents.

Agents can think. They still can't act.

Autonomy levels for Agentic Payment.

Six modules. Pick what you need.

Agent Application

Identity & Credit

Compliance & Risk

Programmable Vault

KYA Identity

WISE Credit

Compliance Engine

Risk Control

Vault Engine

Agent SDK

KYA Identity

WISE Credit

Compliance Engine

Risk Control

Vault Engine

Agent SDK

Built on the rails the world is converging on.

What L3 unlocks.

B2B Auto-Procurement

Travel Expense

API Subscriptions

Cross-border B2B

B2B Auto-Procurement

Travel Expense

API Subscriptions

Cross-border B2B

Operators who shipped payment rails before.

$1M seed. Built for global rails.

Give your Agent a license to act.