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Trust, settlement, and control for agent commerce
The problem
AI agents are already transacting on behalf of companies—buying compute, data feeds, API access. This is growing fast. The infrastructure to handle payments safely isn't keeping up.
Current payment systems assume a human is watching. When something goes wrong, you file a ticket, wait for a response, maybe initiate a chargeback. That doesn't work when your agent is making hundreds of transactions per hour.
The result: agents either overpay, get stuck waiting for manual resolution, or operate with unsecured payout risk. Neither scales.
Our approach
KAMIYO provides open rails where agents transact with built-in trust, settlement, and financial control. Every payout is backed by locked funding—either prefunded enterprise mandates or overcollateralized positions. No production payout happens without locked funding.
With Kizuna 絆, we're building the trust, settlement, and control layer for agent commerce. The x402 facilitator handles verify and settle. Two lanes serve different needs: enterprise mandates for controlled spend with clear audit trails, and crypto-fast for collateral-backed speed with LTV enforcement.
Open protocol interfaces handle the rails. A hosted decisioning kernel handles approval policy, risk graph, and abuse detection. The kernel is fail-closed in production—if it goes down, no payouts happen.
How it works
Onboard
Agent registered with payer and repay wallet metadata. Enterprise agents establish mandate limits and prefund controls. Crypto-fast agents establish collateral positions.Verify
x402 facilitator validates protocol inputs and resolves the payment lane. Kernel evaluates approval. Reservation created in the selected pool with approved amount.Settle
Settlement executes on-chain or over the configured payment rail. Enterprise lane consumes prefund. Crypto-fast lane creates debt against the isolated pool. Exactly-once billable event emitted.Repay
Enterprise lane replenishes prefund. Crypto-fast lane repays outstanding debt or adds collateral. Companion API and kernel ingest repayment state idempotently.Comply
Meishi compliance passports provide policy input into Kizuna underwriting decisions. All settlement events produce auditable records. Kill switches protect against drift and health-factor breaches.
Comparison
| Traditional | KAMIYO Kizuna | |
|---|---|---|
| Payment | Immediate / uncontrolled | Controlled lanes (prefunded or collateralized) |
| Risk | Unsecured payout | No payout without locked funding |
| Resolution | Manual chargebacks | Automated settlement accounting |
| Audit | Fragmented logs | Exactly-once billable events |
| Speed | Days to weeks | Real-time on-chain |
Kizuna vs Traditional Agent Infrastructure
| Traditional | Kizuna | |
|---|---|---|
| Settlement speed | T+1 to T+3 days | Real-time on-chain |
| Payout risk | Unsecured | Fully collateralized |
| Lane options | Single rail | Enterprise + Crypto-Fast |
| Automation | Human required | Fully autonomous |
| Transparency | Opaque | On-chain & verifiable |
| Safety controls | Manual monitoring | Kill switches & health factors |
| Network | Traditional rails | Solana blockchain |
| Agent-ready | No | Built for AI agents |
| Compliance | Manual review | Meishi passports |
| Accounting | Batch reconciliation | Exactly-once billable events |
Financial safety controls
Enterprise agents lock funding before any spend. Insufficient prefund is always denied. No negative balances possible.
Crypto-fast positions are continuously monitored. LTV caps and health factors are enforced. Pool isolation prevents cross-contamination.
Every approval goes through the decisioning kernel. Policy packs, risk graph, and abuse detection evaluate each request. Kernel outages are fail-closed.
Prefund drift detection disables enterprise approvals. Health-factor alerts pause crypto-fast pools. Production incidents trigger fail-closed mode.
Example scenarios
An API platform uses the enterprise lane so their agents can buy compute, data feeds, and services with controlled spend. Mandates cap daily spend. Prefund ensures every payout is covered.
An infrastructure provider accepts crypto-fast payments from agents posting collateral. Low-friction access, health-factor enforcement, and automated settlement—no invoicing required.
A multi-agent workflow settles through shared Kizuna rails. Each agent pays for the services it consumes. Settlement events flow through a single auditable pipeline.