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Banking · KYC AML · agentic payments

Banking gates that prove eligibility before money moves

AffixIO is verification infrastructure for banks, PSPs, and fintechs. Keep KYC dossiers and ledgers where they already live. At the boundary, return a signed allow or deny for account actions, mortgage eligibility, AI agent banking permissions, and agentic payments. Post-quantum computing (PQC) attestation with ML-DSA-65 when decisions need to last.

Agentic payments flow Open sandbox Sector guide

agentic payments
KYC AML proof
AI agent checkout
delegated payment
PSP auth
Know Your Agent

Agentic payments hero

Cut fee drag on AI agent checkout with KYC and AML proof before auth

Agentic commerce teams (ACP Instant Checkout, AP2 mandates, shared payment tokens, merchant of record handoffs) burn processing fees when every agent-initiated payment looks like an unknown buyer. AffixIO sits after the PSP with KYC and AML proof already made, so auth and settle run against attested eligibility instead of a cold start.

01 PSP
Payment service provider receives the agentic payment, delegated payment, or Instant Checkout request.
02 AffixIO
KYC and AML proof made. Signed allow or deny attesting prior KYC AML eligibility without shipping the dossier again.
03 Auth
Authorisation continues with cryptographic evidence on the path, including agent permission and spend scope where required.
04 KYC, AML
Remaining checks run in your bank or compliance stack against outcomes you already trust, not a full re-collection.
05 Settle
Settlement completes. Merkle audit can retain proof metadata for chargeback defence and SOX-style replay.

PSP → AffixIO (KYC and AML proof made) → Auth → KYC, AML → Settle

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What AffixIO does in banking

Banking verification with AffixIO means a PSP or issuer can present a prior KYC and AML outcome, receive a signed allow or deny, and continue auth and settle without holding a second customer vault at the verifier. For agentic payments and AI agent banking, the same gate covers Know Your Agent scope and human eligibility on one path.

Not a KYC vendor

Onboarding stays with your existing KYC AML stack. AffixIO attests outcomes at the moment money or access is requested.

Not a PSP

Card rails, shared payment tokens, and settlement still belong to the PSP. AffixIO is the proof layer between request and auth.

Fee-aware agentic flow

High-frequency AI agent payments and micropayments fail when every hop re-runs heavy risk. Early KYC AML proof shrinks that drag.

PQC attestation

ML-DSA-65 (FIPS 204) signatures keep long-lived payment decisions verifiable as post-quantum computing advances.

Why processing fees climb on agentic payments

Teams shipping agentic commerce, Instant Checkout, and delegated spend keep asking the same question on X and LinkedIn: why does an AI agent paying £0.50 still look like a high-risk checkout? Unknown buyer signals push manual review, higher interchange treatment, and abandoned auth. AffixIO does not set scheme fees. It gives PSPs and issuers a signed KYC AML proof before auth so the path can treat the buyer as already screened.

Cold-start agent checkout

Agent-initiated payment with no attached KYC AML proof looks like a new customer every time. That is fee and friction for ACP and AP2 paths.

Repeated dossier pulls

Shipping full KYC packs to every merchant or treasury hop is slow and expensive. Outcome attestation travels lighter.

Micropayment maths

Per-call AI agent payments collapse when fixed risk steps dominate. Prove eligibility once, reuse the signed gate.

Chargeback and audit

Signed allow or deny plus optional Merkle audit gives merchants and issuers replayable evidence for agent spend disputes.

Where this sits beside ACP, AP2, and KYA

Short-tail searches around agentic payments, AI agent payments, and agentic commerce usually land next to long-tail questions about Agentic Commerce Protocol, Agent Payments Protocol, shared payment token, delegated payment, merchant of record, and Know Your Agent. AffixIO is orthogonal: a verification infrastructure call that returns allow or deny with attestation.

ACP and Instant Checkout

Checkout and order lifecycle stay with the merchant and PSP. AffixIO can gate eligibility before auth completes.

AP2 mandates

Cryptographic mandates define agent intent. AffixIO attests whether the bank still accepts that spend under KYC AML policy.

Shared payment token

Delegated credentials move money. AffixIO proves the human or agent was eligible to use them.

Know Your Agent

KYA covers agent identity and spend scope. Pair it with human KYC AML proof on the same AffixIO decision.

Banking use cases

Same signed outcome model across retail banking, issuer risk, and treasury automation.

AI agent banking permissions

Allow or deny before an agent moves funds, opens a product, or hits an issuer API. See agent permissions.

KYC AML outcome gates

Pass verified KYC AML status into a circuit. Return allow or deny without re-exporting identity documents.

Mortgage and lending eligibility

Prove a programme predicate at application or drawdown without copying the underwriting file to every partner.

Banking API security

Call AffixIO at authorisation time on open banking and internal APIs. Keep customer data in core systems.

Agentic payments at the PSP

Insert AffixIO after the PSP receives the request and before auth, as shown in the hero flow above.

Offline and delayed settle

Where rails allow delayed settlement, keep a spent-proof and Merkle trail so replay stays honest.

How teams integrate

Prove on your host with @affix-io/sdk, or call the REST API. OpenAPI is public. Sandbox exercises allow or deny without a production key.

Map the outcome

Choose the KYC AML or agent permission predicate you already compute in banking systems.

Prove and verify

Generate the circuit proof on integrator infrastructure. AffixIO signs the allow or deny.

Wire the PSP path

Place the call after PSP intake and before auth: AffixIO with KYC and AML proof made, then auth, KYC AML, settle.

Audit when needed

Optional Merkle entries store decision digests for compliance replay, not raw PII fields.

Evaluate AffixIO OpenAPI Fintech path

Related AffixIO paths

Deeper sector and compare pages for payments and identity buyers.

Agentic payments sector

Delegated spend, spent-proof, and payment boundary detail.

Finance sector

Broader banking and fintech eligibility guide.

vs KYC database

Why AffixIO is not a replacement identity store.

Fintech and payments

Buyer path for platforms and issuers.

Eligibility API

REST and SDK entry for signed outcomes.

Digital identity

Selective disclosure and PQC identity overview.

Questions

Answers buyers and engineers search when mapping agentic payments and banking verification.

Where does AffixIO sit in an agentic payments stack?

After the PSP and before auth: PSP, then AffixIO with KYC and AML proof made, then auth, KYC AML, then settle.

How can KYC and AML proof cut payment processing fees?

When eligibility is proven early, PSPs and issuers can skip repeated full dossier pulls, reduce manual review queues, and keep high-frequency AI agent checkout from paying risk premiums meant for unknown buyers.

Does AffixIO replace KYC vendors or the PSP?

No. AffixIO consumes KYC and AML outcomes you already hold and returns signed allow or deny. The PSP still owns rails. Your KYC vendor still owns onboarding.

Does this work with ACP, AP2, and shared payment tokens?

Yes as a verification layer beside Agentic Commerce Protocol checkout, Agent Payments Protocol mandates, and delegated payment or shared payment token handoffs. AffixIO does not replace those protocols.

What about Know Your Agent versus KYC?

Know Your Agent checks agent scope and spend authority. AffixIO can attest both human KYC AML outcomes and agent permission proofs on the same allow or deny path.

Where do developers start?

Use the sandbox, read SDK docs, or install @affix-io/sdk from npm. OpenAPI is at /openapi.json.