Agentic payments — in action
“Send $50 to 
Sarah”.
That’s the entire payment flow
Our client replaced payment forms with a text message. Together, we built a fully conversational AI agentic payments while the industry was still setting standards.
AGENTIC PAYMENTS — IN PRODUCTION
Built with our
fintech customer
Production-ready AI banking Agent with payment guardrails built in. No forms, no friction, no failed transactions.
5
months from kick-off → production
40+
countries covered
0
errors and no hallucinated transactions
WHAT WE SOLVED
The most important in Agentic Payments? Anti-hallucination guardrails
Zero dollars moved by hallucination.
That is not a claim, it is architecture.
01
Zero dollars moved by mistake
Hallucination in payments means money going where it should not. Every transfer is validated against the identifiers the user confirmed, so the agent can never move money to the wrong place.
02
Guardrails at the system level
The AI cannot catch a wrong IBAN or corrupted identifier on its own. Our guardrails work independently of the model, blocking mismatches at the system level.
03
Uninterrupted chat
KYC, OTP flows, and real-time FX across 40+ countries, with zero tolerance for error. A provider-agnostic architecture scales without interrupting the conversation.
5 months to prove
agentic payments
work. We hit it.
The deadline was a live demo in front of a strategic partner. The goal to show that onboarding, KYC, funding, and transfers all happen in a single conversation.
Everything happens in one chat. No jumping between dashboards, no filling out forms, no approval steps.
Marek Gajda
The Software House
SYSTEM DESIGN
From “send $50” to
settled transaction
How a conversational message becomes a real cross-border transfer with guardrails at every layer.
01
Payment flow
A user message enters the AI orchestrator, which detects intent and routes the request to the right specialized agent: Sign-up, KYC, Transfers, Funding or Support.
Every agent output passes through the guardrail layer before reaching a payment provider. Payloads are hashed on both sides, if they don't match, the transfer is blocked
No LLM output ever calls a payment API directly.
WHAT WE SOLVED
Four make-or-break decisions in agentic payments
Hallucination-proof transactions
LLMs can be confidently wrong. User-confirmed values are hashed. Mismatches never reach the payment API.
KYC in conversation
Traditional KYC breaks the conversation. We moved the entire flow in chat. No forms, no redirects, no drop-offs.
Provider-agnostic architecture
We standardized all provider communication through a single MCP gateway. New market, new provider — minimal changes needed.
Async transactions, uninterrupted UX
Event-driven workflows handle each step independently. The agent always picks up where it left off.
TECHNOLOGY
The stack behind a
production
OUTCOMES
Shipped in 5 months.
Live across 40 countries.
Zero hallucinated transactions.
5
months from first line of code to live demonstration to a strategic financial partner
40+
countries cross-border transfers operational at launch
0
model-generated errors resulting in incorrect transactions
4
engineers: the team size that helped deliver it
We build agentic
payment systems.
Let's talk about yours
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