●Agentic Payment Infrastructure

The payment rail for AI Agents.

Wire up an Agent for secure, compliant, cross-border payment in under ten minutes — within boundaries you set.

Get in touchRead the whitepaper

“Large models give Agents the ability to think. Payment infrastructure gives them the ability to act.”

agent.ts
1import { Agent, Vault } from "@tubotech/sdk";2 3const agent = Agent.bind({ kya: "agt_a3f…" });4const vault = Vault.policy({ daily: 50_000, scope: "travel" });5 6// Within boundaries — Agent executes the payment.7await vault.transfer({ to: "vendor_42", amount: 12_000 });
Five lines from import to first authorized transfer.
01The Gap

Agents can think. They still can't act.

Today's Agents reason, plan, and call APIs — but the moment money moves, they hit a wall. Existing payment networks lack Agent-native identity, credit, and compliance primitives. Cross-border, multi-currency, and B2B settlement layer on KYC / AML / CFT / Sanctions / Travel Rule complexity that no LLM can navigate alone.

L2 Reality

Agents draft, humans approve and execute. The bottleneck is human, not model.

L3 Threshold

Within preset boundaries, Agents execute payments themselves — but only with the right rails underneath.

02L0 → L5

Autonomy levels for Agentic Payment.

A SAE-style progression. We are unlocking L3 today.

L0ManualL1NotifyL2AdviseL3BoundedWe are hereL4OpenL5Agent
  1. L0
    Manual

    Humans initiate every payment. Agents are pure UI.

  2. L1
    Notify

    Agents flag opportunities. Humans decide and execute.

  3. L2
    Advise

    Agents draft transactions. Humans approve, sign, and execute.

  4. L3We are here
    Bounded Execute

    Agents execute autonomously within preset budget, scope, and risk boundaries.

  5. L4
    Open Autonomous

    Agents transact across novel counterparties with behavioral and system-level trust.

  6. L5
    Agent ↔ Agent

    Agents discover, negotiate, and settle directly with other Agents at machine speed.

03Payment Lego

Six modules. Pick what you need.

Composable building blocks that turn an LLM Agent into a regulated financial actor.

TuBo stackAgent ApplicationAI Agents invoke payments via MCP / APOPcustomerIdentity & CreditKYA verifiable credentials · WISE multi-dimensional scoreCompliance & RiskKYC / KYB / AML / CFT / Sanctions / Travel Rule, enforced as codeProgrammable VaultMulti-channel routing · Conditional triggers · Cross-border settlement
01

KYA Identity

Know Your Agent

Verifiable digital credentials for AI Agents. Replaces traditional KYC for non-human actors with cryptographic provenance, principal binding, and revocable scope.

Agent.bind({ kya: "agt_a3f…" })
02

WISE Credit

Multi-dimensional trust score

Wealth, Identity, Social, and Engagement signals composed into a real-time creditworthiness score Agents and counterparties can act on.

wise.score(agent) → { trust: 0.92 }
03

Compliance Engine

LLM-native regulatory reasoning

KYC / KYB / AML / CFT / Sanctions / Travel Rule enforced as code, with multi-jurisdictional reasoning at transaction time.

compliance.check({ jurisdiction: "US-NY" })
04

Risk Control

Fraud + behavioral anomaly

Real-time behavioral fingerprints, FX risk hedging, counterparty assessment, and network-level relationship analysis.

risk.flag(tx) → undefined
05

Vault Engine

Programmable payment vault

Multi-channel routing, conditional triggers, authorization boundary enforcement, and cross-border settlement under a single programmable interface.

vault.policy({ daily: 50_000 })
06

Agent SDK

MCP + APOP native

Drop-in SDK aligned with Anthropic's MCP and UnionPay's APOP. Ten minutes from import to first authorized transaction.

import { Agent } from "@tubotech/sdk"
04Standards

Built on the rails the world is converging on.

Two protocol families, one Agent. International and domestic, day one.

MCPModel Context Protocol
Anthropic · Linux Foundation AAIF
9.7B+
monthly SDK downloads
APOPAgentic Payment Open Protocol
China UnionPay · launched April 2026
19
launch partners
05Use Cases

What L3 unlocks.

Real value moving through Agents — within boundaries, at machine speed.

B2B Auto-Procurement

01 / 04

Agents source, quote, negotiate, and settle within procurement policy boundaries.

5 days2 hours·70% less human approval

Travel Expense

02 / 04

Compliance reasoning at swipe time replaces month-end reconciliation.

Post-hoc auditReal-time compliance·0 reimbursement lag

API Subscriptions

03 / 04

Agents pick optimal model and tool APIs based on real-time price-performance.

Manual selectionCost-perf optimal·Per-call billing

Cross-border B2B

04 / 04

Agent-driven settlement with 100% automated Travel Rule compliance.

3–5 daysT+0·15–30% cost savings
06Team

Operators who shipped payment rails before.

Peter Lyu吕新浩
Founder & CEO

Former Engineering Lead, Xiaomi MiPay. Distributed Systems Research Head. 10+ years in tech, 8+ in fintech infrastructure.

Nicholas Young
Co-founder

Stanford MBA. Former AI Innovation Head, JD.com. Successful fintech exit.

Christos Shepherd
Chief Commercial Officer

Stanford MBA. Ex-JetBlue. Cross-border commercial strategy.

Keyla Su
Product

Product owner across the Lego stack.

07Backed by

$1M seed. Built for global rails.

Lead Investor
HT Capital
(Buchang Pharma family office)
Network partners
  • Paga
  • ·Omnipay
  • ·IceCash
  • ·SSN
08Get started

Give your Agent a license to act.

Reach out for a technical deep-dive, integration access, or partnership conversation.

Whitepaper