AP2-NATIVE AGENTIC PAYMENTS

Let AI agents pay,

Agwai is the trust and enforcement layer for consumer AI agent payments: signed mandates, real-time policy checks, instant revocation, and audit proof across card, account-to-account, stablecoin, and network-token rails.

Non-custodial by design
AP2 + Verifiable Intent

Built around the emerging agentic payments stack

coinbase
VISA
mastercard
Google
leanTECH
Superchat.AI
TRUST AND ENFORCEMENT LAYER

Everything between consent and settlement.

Rails carry the money. Agwai carries the signed authority, policy enforcement, revocation state, and proof that the payment was legitimate.

Mandates

AP2-native mandate broker

Issue and verify user-controlled IntentMandates and CartMandates using AP2 and Verifiable Intent, with agwai: extensions for caps, rails, merchants, geography, and expiry.

WebAuthn passkey consent
AP2 IntentMandate
CartMandate hash links
agwai: policy extensions
Rails

Cross-rail enforcement

Authorize agent payments without rail lock-in. Agwai signs the authority; card, account-to-account, stablecoin, or local rail partners move the money.

Card PSP adapters
Pay-by-bank / A2A
Stablecoin rails
Network-token adapters
Revocation

Instant kill-switch UX

Users can withdraw an agent's spending permission at any point. A signed revocation status check runs before execution, blocking the next transaction in the pre-execution path.

StatusList2021
Sub-100ms pre-check
Dispute handoff
Chargeback-ready proof
Audit

Regulator-grade evidence

Every mandate exercise yields signed proof and an append-only hash-chained audit trail that can be consumed by rails, merchants, auditors, and regulators.

MandateExerciseProof
Hash-chained ledger
Annex IV mapping
Published authority keys
MULTI-RAIL ARCHITECTURE

One mandate, every rail.

Agwai keeps mandate logic separate from money movement, so agent apps can launch across card, account-to-account, stablecoin, and future network-token rails.

For Agent Apps

Ship delegated payments without becoming a bank.

Issue AP2-compatible mandates, run policy checks before every payment, and route the authorized transaction to the best available rail.

  • AP2 mandate issuance
  • OPA policy enforcement
  • Card + stablecoin adapters
// Mandate exercise
const decision = await agwai.authorize({
intentMandate: "jws_eyJ...",
cartMandate: "jws_eyJ..."
});
// Result
{
"decision": "ALLOW",
"rail": "x402_usdc",
"proof": "jws_eyJ..."
}
For Banks & PSPs

Accept agent-initiated payments with proof.

Get signed MandateExerciseProofs, revocation state, and audit trails that support disputes, regulatory reporting, and risk review.

  • AgentInitiated asserted
  • Revocation checked pre-execution
  • Annex IV-ready evidence
Mandate
Rail
Decision
Approved cart
AP2: #882391
A2A
ALLOW
Travel agent
AP2: #992102
CARD
STEP_UP
USDC checkout
AP2: #771231
x402
SIGNED
HYBRID PRICING

Open mandates, paid compliance.

The mandate primitive stays developer-friendly. The paid layer is enforcement, revocation UX, rail orchestration, and audit evidence.

Transaction Model

Estimate launch usage

Model the hybrid platform fee plus 20-40 bps transaction component.

10,000
025k50k75k100k+
Hosted mandate enforcement
Server-signed MandateExerciseProofs
Card + stablecoin starter adapters
Revocation API
Recommended Tier
Launch
50,000 transactions supported
$529.00
estimated per month
Includes approx. 30 bps transaction component
TRUST ARCHITECTURE

Consent, enforcement & audit

Agwai is designed to prove that an agent-initiated payment was authorized, in policy, revocable, and executed on the right rail.

AP2
AP2
Native

Mandates follow the emerging AP2 and Verifiable Intent model

FIDO
FIDO
Passkeys

User authority is bound through WebAuthn / FIDO2 consent

Audit
Audit
Annex IV

Proof trails are structured for regulator and enterprise review

How Agwai Protects Delegated Authority

Signed Consent

IntentMandates are user-signed and linked to concrete CartMandates

Policy Enforcement

Hosted checks verify signatures, revocation, rail constraints, and caps

Publicly Verifiable Proof

MandateExerciseProofs can be verified without trusting app logs

Security Status: Active
0%
Platform Uptime (Last 12 months)
0
Custody Exposure
JWS/JWE
Signed + Encrypted Payloads
Trust Primitives
AP2FIDO2JWSJWEAnnex IV
HAVE QUESTIONS?

Frequently asked questions

The short version of the architecture, mandate model, rails, and compliance posture.

01

Does Agwai move or custody user funds?

02

What mandate format does Agwai use?

03

Which rails can Agwai support?

04

How does revocation work?

05

What proof does a merchant or rail receive?

06

Who is Agwai for first?

Can't find what you're looking for?

Contact our team

Ready to make agent payments safe?

Bring Agwai one agent checkout flow. We will map the mandate, enforcement path, rail adapter, revocation UX, and audit proof.

AP2-native mandates. Custody-light execution. Regulator-grade evidence.