Question 1

What is Chimoney and how does it help with AI agents?

Accepted Answer

Chimoney provides the first complete Passport & Payment Infrastructure for AI Agents. We give every AI agent a wallet (for payments) and a passport (for identity and policy controls) in one integrated platform. Built on W3C DID standards with L4 assurance, MSB and PSP licensed infrastructure, and multi-rail orchestration across 130+ countries.

Question 2

What is an AI Agent Wallet?

Accepted Answer

An AI Agent Wallet is a policy-controlled, multi-currency wallet designed specifically for autonomous agents. It includes: (1) Payment capabilities with Interledger support, stablecoins, and 130+ country coverage, (2) W3C DID-based digital identity (passport) with L4 assurance via APort integration, (3) Spending limits, approval workflows, and audit trails, (4) Real-time monitoring and compliance controls. Create one in 5 minutes via chimoney.app.

Question 3

What is APort and how does it work with Chimoney?

Accepted Answer

APort provides W3C DID-based digital identity (passports) for AI agents with policy controls. When you create an agent wallet on Chimoney, it automatically provisions an APort passport with L4 assurance (financial-grade identity verification). APort enables spending policies, approval workflows, and immutable audit trails - ensuring your agents can only spend within defined rules. This gives you full control and compliance for autonomous transactions.

Question 4

How is this different from Stripe, Coinbase x402, or Circle?

Accepted Answer

We're the only platform offering Wallet + Passport + Policy Controls in one integrated solution. Stripe: Payments only (no identity layer). Coinbase x402: API-only (no visual platform). Circle: Stablecoins only (no multi-rail). Chimoney: Complete stack with visual platform (chimoney.app), W3C DIDs, L4 assurance, policy controls, licensed infrastructure (MSB + PSP), and 130+ country coverage. Our competitors would need to build 3 products or acquire 3 companies to match us.

Question 5

What are W3C DIDs and why do they matter?

Accepted Answer

W3C DIDs (Decentralized Identifiers) are a global standard for digital identity that enables verifiable, portable credentials without centralized control. Every Chimoney AI agent gets a W3C DID with L4 assurance (financial-grade verification), meaning the agent's identity is cryptographically verified and can be trusted for financial transactions, healthcare operations, legal processes, and other regulated use cases. This is critical for autonomous agents operating in regulated industries.

Question 6

Can I create an agent wallet in 5 minutes?

Accepted Answer

Yes! Go to chimoney.app, sign up, click 'Create Agent Wallet', name your agent, and you're done. Your agent instantly gets: (1) A multi-currency wallet with payment pointer, (2) An APort passport (W3C DID) with L4 assurance, (3) API keys for programmatic access, (4) Policy controls dashboard. No complex API integration required to get started - though our APIs are available when you're ready to scale.

Question 7

What policy controls are available for AI agents?

Accepted Answer

Chimoney + APort provides comprehensive policy controls: (1) Spending limits (daily, weekly, monthly, per-transaction), (2) Approval workflows (require human approval above certain thresholds), (3) Allowed merchant categories (restrict which types of businesses agents can pay), (4) Geographic restrictions (limit transactions to specific countries), (5) Velocity controls (maximum transactions per time period), (6) Immutable audit trail (cryptographic proof of all transactions and policy checks). All policies are verified before every transaction.

Question 8

Is Chimoney compliant and licensed?

Accepted Answer

Yes, we have multi-year regulatory advantage: (1) MSB License (US) - FINTRAC registered Money Service Business, (2) PSP License (Canada) - Bank of Canada Payment Service Provider, (3) Production Interledger Provider (one of the first globally), (4) SOC 2 certification (in progress), (5) 99.9% uptime SLA. Few companies have both MSB + PSP licenses. This regulatory foundation is built into every agent wallet, reducing compliance burden for our customers.

Question 9

What payment methods and countries do you support?

Accepted Answer

We support 10+ payment methods across 130+ countries via multi-rail orchestration: (1) Bank transfers (ACH, wire, SEPA, Interac), (2) Stablecoins on 5 blockchains (Ethereum, BSC, Polygon, Celo, XRP Ledger) with 20+ coins, (3) Mobile money (M-Pesa, MTN, Airtel, etc.), (4) Digital wallets, (5) Card payments, (6) Interledger Protocol (payment pointers, Web Monetization). The system automatically routes to the best rail based on destination, speed, and cost.

Question 10

How do I integrate Chimoney APIs for my AI agents?

Accepted Answer

We provide REST APIs, webhooks, and SDKs (JavaScript, Python, Go, Java). Key endpoints: (1) POST /v0.2/agents/wallets - Create agent wallet, (2) POST /v0.2/payouts/chimoney - Send payment from agent, (3) GET /v0.2/agents/{id}/balance - Check balance, (4) POST /v0.2/agents/{id}/policies - Set spending policies, (5) GET /v0.2/agents/{id}/audit-trail - View transaction history. Full documentation at chimoney.readme.io. Sandbox environment available for testing.

Question 11

What industries use Chimoney for AI agents?

Accepted Answer

Regulated industries requiring compliance: (1) Healthcare - Agents paying for medical records, lab tests, prescriptions with HIPAA compliance, (2) Finance - Trading agents, robo-advisors with SOX compliance, (3) Legal - Agents handling escrow, settlements with audit trails, (4) Supply Chain - Autonomous procurement, vendor payments with fraud detection, (5) E-commerce - AI shopping assistants making purchases, (6) Customer Service - Agents processing refunds, compensation. L4 assurance + policy controls enable these high-value use cases.

Question 12

How much does it cost?

Accepted Answer

Transparent, usage-based pricing: (1) Agent wallet creation - Free, (2) Transaction fees - 0.5-2.5% depending on payment rail and destination, (3) Monthly minimums - None for development, volume pricing for production, (4) APort passport/policies - Included with agent wallet, (5) API calls - Free (unlimited), (6) Sandbox/testing - Free forever. Enterprise pricing available for high volume (1000+ agents). See chimoney.io/pricing for details.

Question 13

Can agents receive payments too?

Accepted Answer

Yes! Every agent wallet has an Interledger payment pointer (e.g., $chimoney.app/agent-name) for receiving payments. Agents can: (1) Accept payments from other Interledger wallets globally, (2) Receive stablecoins directly to their wallet address, (3) Accept payouts via Chimoney's API (ACH, wire, etc.), (4) Monetize services via Web Monetization protocol. All incoming funds are tracked in the audit trail with full traceability.

Question 14

What's the difference between agent wallets and human wallets?

Accepted Answer

Both use the same infrastructure, but agent wallets have additional features: (1) Policy enforcement (agents can't override spending limits), (2) L4 assurance via APort (higher trust level for autonomous transactions), (3) Programmatic API access (designed for code, not UI), (4) Immutable audit trails (required for agent accountability), (5) Approval workflows (human oversight when needed). Human wallets are optimized for user experience via chimoney.app, while agent wallets prioritize control and compliance.

Question 15

How secure are AI agent wallets?

Accepted Answer

Bank-grade security: (1) End-to-end encryption for all API calls, (2) Hardware security modules (HSMs) for key storage, (3) Multi-factor authentication for account access, (4) Rate limiting and DDoS protection, (5) Real-time fraud detection and anomaly detection, (6) Policy verification before every transaction (via APort), (7) Immutable audit logs (tamper-proof), (8) Regular security audits and penetration testing, (9) 99.9% uptime SLA, (10) Incident response team 24/7. Full security docs at chimoney.readme.io/security.

Question 16

Do you support test environments for AI development?

Accepted Answer

Yes! Our sandbox environment at chimoney.readme.io/reference/sandbox-environment provides: (1) Test API keys (no real money), (2) Mock payment rails and responses, (3) Simulated policy enforcement, (4) Test APort passports, (5) Full feature parity with production, (6) Unlimited testing forever (free). Move to production with a single API key swap when you're ready. Perfect for AI model training, integration testing, and demos.

Question 17

Can I white-label Chimoney for my platform?

Accepted Answer

Yes, we offer white-label solutions for platforms embedding agent wallets: (1) Custom branding (logo, colors, domain), (2) Branded agent creation flows, (3) Your own payment pointers (@yourcompany.com), (4) White-label APIs and SDKs, (5) Custom compliance rules, (6) Dedicated infrastructure (optional). Enterprise tier includes technical account management, SLA guarantees, and priority support. Contact sales@chimoney.io for details.

Question 18

What happens if my agent violates a policy?

Accepted Answer

Policy violations are prevented, not punished: (1) Every transaction is checked against policies BEFORE execution via APort, (2) If a policy is violated, the transaction is denied with a clear error code, (3) The violation is logged in the immutable audit trail, (4) You receive a webhook notification in real-time, (5) The agent's API response includes the policy violation reason, (6) No funds are moved, no compliance risk. You maintain full control and visibility over agent behavior.

Question 19

How does Chimoney handle Interledger payments?

Accepted Answer

We're one of the first production Interledger providers (showcased at ILF Summit Oct 2024): (1) Every agent gets an Interledger payment pointer ($chimoney.app/agent-id), (2) Send/receive instant cross-border payments via Interledger Protocol, (3) Support for Web Monetization (streaming micropayments), (4) Automatic currency conversion, (5) Near-zero fees for ILP transactions, (6) Interoperability with other ILP wallets globally. Interledger enables global payments without traditional banking rails.

Question 20

Can I migrate from another payment provider?

Accepted Answer

Yes, we make migration easy: (1) Data export from your current provider (CSV, API), (2) Bulk agent wallet creation via API, (3) Balance migration (we coordinate with your existing provider), (4) Policy mapping (convert your rules to Chimoney + APort format), (5) API migration guide (endpoint mapping, code examples), (6) Sandbox testing of full migration, (7) Gradual rollout (run both systems in parallel), (8) Dedicated migration support team. Typical migration: 2-4 weeks. Contact sales@chimoney.io to start.

Question 21

What is the Chimoney API?

Accepted Answer

The Chimoney API provides developers and startups with tools to seamlessly integrate our global payout solutions into their platforms, allowing for efficient and cost-effective money movement across borders.

Question 22

How do I get started with the Chimoney API?

Accepted Answer

To get started, simply register for a developer account on our platform. Once approved, you'll gain access to our comprehensive documentation, SDKs, and sandbox environment for testing.

Question 23

Is there a sandbox environment for testing?

Accepted Answer

Yes, once registered, you'll have access to our sandbox environment at chimoney.readme.io/reference/sandbox-environment. This allows you to test your integration without any real monetary transactions.

Question 24

What programming languages do you support?

Accepted Answer

Our API is language agnostic, but we provide SDKs for popular languages such as JavaScript, Python, Java, and Go.

Question 25

Are there transaction limits when using the API?

Accepted Answer

While we aim to support high-volume transactions, there may be limits based on account type, region, and other factors. Contact our support team for specifics related to your use case.

Question 26

What is Chimoney's payment infrastructure?

Accepted Answer

Chimoney provides multi-rail payment orchestration across 130+ countries with 10+ payment methods. Whether you're paying freelancers, disbursing rewards, or enabling AI agent transactions, our licensed infrastructure (MSB + PSP) ensures compliant, fast, and cost-effective global payments. We support bank transfers, stablecoins, mobile money, digital wallets, and Interledger.

Question 27

How does Chimoney differ from traditional payment systems?

Accepted Answer

Unlike traditional systems, Chimoney is built for the modern global economy. We address inefficiencies, cross-border limitations, and support emerging value systems, making global payouts as easy as local transactions.

Question 28

How fast are transactions processed with Chimoney?

Accepted Answer

With Chimoney, a process that typically takes 14 days in traditional systems is accelerated to mere minutes. That's a 20,160 times improvement in speed!

Question 29

Is Chimoney secure?

Accepted Answer

Absolutely. Chimoney employs state-of-the-art security measures, ensuring that every transaction is secure and compliant with global financial regulations.

Question 30

Can Chimoney handle bulk payouts?

Accepted Answer

Yes, Chimoney is designed to efficiently handle bulk payouts, making it easy for businesses to send payments to multiple recipients in a single transaction.

Frequently Asked Questions

AI Agent Wallets & Digital Identity

For API Users and Developers

Payment Infrastructure & Global Payouts

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