Executive Summary

As businesses increasingly deploy autonomous AI agents to automate procurement, payouts and subscription management, CFOs and platform operators lack a standardized, auditable control layer that lets agents execute payments without exposing keys or creating compliance risk. The current mix of ad-hoc integrations and manual approvals drives friction, fraud exposure and poor auditability for finance teams and regulators. Build an API-first programmable financial control layer that offers per-agent wallets, a policy and risk engine, cryptographic attestation of intent, role-based approvals, real-time monitoring, and out-of-the-box connectors to banks and PSPs. Provide developer SDKs and a CFO-facing UI with immutable audit logs and built-in compliance hooks (KYC/AML) so agents can request and execute payments under rigorously enforced rules with minimal manual intervention. This is a timely opportunity: a $30.0B addressable market (10M businesses × $3K ACV) driven by embedded finance growth and the rise of autonomous agents, and it scores 90/100 for market attractiveness with 88/100 revenue potential. Platforms embedding payments will pay for turnkey solutions that reduce legal and operational friction. You can stand out by prioritizing developer experience plus a compliance-first architecture—immutable audit trails, attested executions, and pre-integrated regulatory controls—that lowers onboarding friction for regulated customers. Be honest about the challenges: competition is medium, and winning requires early bank/PSP partnerships, robust security certifications and initial reference customers in regulated verticals.

Market Opportunity

Secure programmable financial control layer for AI agents to execute payments targets a $30.0B = 10M businesses × $3K ACV total addressable market with medium saturation and a year-over-year growth rate of 18% YoY (embedded finance and payments market growth; industry reports such as McKinsey/BCG 2022-2024).

Key trends driving demand: Embedded finance expansion — platforms increasingly embed payments, wallets, and lending, creating demand for programmable money layers.; Rise of autonomous agents — more businesses deploy AI agents to automate work and transactions, increasing need for secure money-control APIs.; Regulatory focus on auditability — regulators demand transparent transaction trails and auditability which favors turnkey compliant solutions.; Composability of fintech infrastructure — mature BaaS and payment APIs make it faster to build higher-level abstractions for agent money control..

Key competitors include Stripe (Connect/Treasury), Plaid, Unit / Synapse (Banking-as-a-Service providers).

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Secure programmable financial control layer for AI agents to execute payments

Executive Summary

Market Validation

Market Opportunity

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