Ai agent payments

Policy-controlled ai agent payments infrastructure for autonomous transactions.

Complete Infrastructure for AI Agents

W3C DID Identity

Decentralized digital identity with L1-L4 assurance levels for AI agents and humans.

Policy Controls

Built-in spending limits, approval workflows, and compliance controls for autonomous agents.

Fast Integration

5-minute setup with simple API calls. Create agent wallets instantly via chimoney.app or API.

Multi-Rail Payments

130+ countries, mobile money, bank transfers, stablecoins - all with automatic routing.

Everything You Need

🤖 AI Agent Wallets

Create policy-controlled wallets for your AI agents in 5 minutes. Set spending limits, approval workflows, and compliance controls.

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🆔 APort Digital Identity

W3C DID-compliant digital passports with L4 assurance. KYC-backed credentials for agents and humans.

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💳 Multi-Rail Payments

130+ countries, 10+ payment methods: mobile money (M-Pesa, Airtel), bank transfers, stablecoins (USDC, USDT), gift cards.

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🛡️ Licensed & Compliant

MSB + PSP licensed by Bank of Canada, FinCEN registered. SOC 2 Type II in progress. SOX, HIPAA-ready.

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Popular Use Cases

AI Trading Bots

SOX-compliant wallets for algorithmic trading agents with spending limits and audit trails.

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Healthcare AI Agents

HIPAA-compliant wallets for diagnostic AI that autonomously pay for lab tests and imaging.

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E-commerce Support Bots

Customer service AI agents that issue refunds, discounts, and gift cards automatically.

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Quick Start (5 Minutes)

// Create AI agent wallet with policy controls
const chimoney = new Chimoney('your-api-key');

const agent = await chimoney.agents.create({
  name: "Customer Support Bot #1",
  limits: {
    dailyMax: 200,
    perTransactionMax: 50,
    requiresApprovalAbove: 100
  },
  aportIdentity: {
    assuranceLevel: "L2", // KYC-backed
    attributes: {
      agentType: "customer_service",
      owner: "support@company.com"
    }
  }
});

// Agent sends payment autonomously
const payment = await chimoney.payouts.send({
  fromWallet: agent.walletId,
  toEmail: "customer@example.com",
  amount: 25,
  currency: "USD",
  memo: "Refund for order #12345"
});

// Policy engine auto-checks:
// ✅ $25 under $50 per-transaction limit
// ✅ $25 under $200 daily limit
// ✅ $25 doesn't require approval (<$100)
// Result: Payment approved instantly