Kizuna Enterprise Lane: Prefunded Agent Payments
Complete guide to Kizuna's Enterprise lane. How prefunded mandates work, setting spending policies, Wallet Control Plane configuration, and integrating enterprise agent fleets with Kizuna billing.
What is the Enterprise Lane
The Enterprise Lane is one of Kizuna's two settlement paths, designed for API platforms and operators who need controlled agent spend with clear audit trails. It is the lane of choice for businesses deploying AI agents at scale where predictable costs, spending limits, and compliance are non-negotiable.
The core principle is simple: prefund before spend. Enterprise agents operate within mandate-limited budgets backed by deposited funds. No settlement can exceed the available prefund. There is no credit risk and no unsecured payout path.
How Prefunding Works
When an enterprise operator onboards agents to Kizuna, they establish one or more mandate accounts through the Wallet Control Plane. Each mandate is funded with a deposit that sets the spending ceiling.
- Operator creates a mandate with spending parameters (per-transaction limit, daily cap, total budget)
- Operator deposits funds into the mandate account (SOL or supported SPL tokens)
- Agents reference this mandate when calling verify — the kernel checks available balance
- Each settlement consumes from the prefund balance
- When balance runs low, the operator replenishes through the companion API
No Unsecured Path
If the mandate balance is insufficient for the requested amount, the verify request is denied. The kernel does not approve settlements against unfunded mandates under any circumstances.
Mandate Controls
Mandates provide granular spending controls that operators configure through the Wallet Control Plane:
Per-Transaction Limits
Temporal Caps
Counterparty Allowlists
Kill Switch
Audit and Reconciliation
Every enterprise settlement generates a structured billable event with full context: mandate ID, agent identity, settlement amount, counterparty, timestamp, and on-chain transaction signature. These events are queryable through the companion API for billing, reconciliation, and compliance reporting.
For organizations with existing financial systems, the companion API supports structured data exports that integrate with ERP and accounting platforms. The exactly-once guarantee on billable events means reconciliation is deterministic — no duplicate or missing entries.
When to Use Enterprise Lane
The enterprise lane is ideal for:
- Businesses deploying agent fleets with defined budgets
- API platforms that want agent customers to prepay for usage
- Compliance-heavy environments where spending must be controlled and auditable
- Operators who need real-time visibility into agent spending patterns
- Teams that prefer zero credit risk over low-friction access
If your agents need lower-friction access and can post collateral, consider the Crypto-Fast Lane instead.
Frequently Asked Questions
What is a prefunded mandate?
A prefunded mandate is an enterprise funding mechanism where an organization deposits funds upfront into a Kizuna-managed account. Agents operating under the mandate can settle transactions up to the funded limit, with spending governed by policies set in the Wallet Control Plane. No settlement occurs beyond the prefunded amount.
How does the Wallet Control Plane work for enterprises?
The Wallet Control Plane lets enterprises configure mandate limits, per-agent spending caps, allowed service categories, time-based restrictions, and approval workflows. It provides a centralized policy layer while agents operate autonomously within defined bounds.
How does enterprise billing work?
The Companion API maintains a credits ledger tracking every billable settlement event against the prefunded mandate. Enterprises receive detailed billing reports showing per-agent spend, service breakdowns, and remaining mandate balance. Repayment (re-funding) is handled through the Companion API.
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