Introduction

For the past 4 years, Chimoney has operated as a global API and payment infrastructure provider, helping companies manage cross-border payouts and build innovative fintech solutions. We built payment rails spanning 130+ countries, pioneered production-grade Interledger implementations, and secured regulatory licenses, including Canadian MSB registration and Bank of Canada Payment Service Provider approval.

Now, as the world responds to the emergence of AI Agents, we’ve witnessed the convergence of three key trends:

• Regulatory clarity for digital assets, driven by legislation like the US GENIUS Act
• Mainstream stablecoin adoption, with major institutions launching production-ready systems
• AI agents evolving into autonomous economic actors, making real-world financial decisions

Together, these developments have given rise to the “Agentic Internet”, a paradigm where humans and autonomous agents participate side by side in real economic activity. Agents now make financial decisions, but their authority, identity, and controls still originate from humans and enterprises who deploy them.

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The Critical Infrastructure Gap

Observing this shift, we identified a critical infrastructure gap we are uniquely positioned to solve. Building financially-capable agents today requires a unified stack of payment processing, identity management, and policy enforcement capabilities that existing solutions like Stripe or Okta simply cannot deliver together.

This fragmentation creates significant barriers to adoption. The integration burden is also substantial, with engineering teams often investing considerable time and resources to develop systems that still lack comprehensive compliance infrastructure.

We have leveraged our deep experience in global compliance and payment infrastructure to build the solution both the Agentic Internet and users require. We now offer a unified platform delivering these three integrated components that empower developers and enterprises to launch compliant, financially operational AI agents instantly:

The Wallet

With Chimoney, every user and agent receives:

• Instant Interledger payment pointer ($ilp.chimoney.io/yourname-agentname)
• Multi-currency support across 20+ stablecoins on 5 blockchains
• 99.9% uptime reliability proven through our existing infrastructure
• Atomic fund transfers from parent accounts

The Passport

Through our strategic integration with APort, each agent receives verifiable identity credentials:

• W3C Decentralized Identifier (DID) as its digital identity
• L4 financial-grade assurance backed by our regulatory standing
• Cryptographically-verifiable credentials satisfying compliance requirements
• Immutable identity history for auditing and trust establishment

The Policy Framework

Unlike payment processors that simply move money, we embed governance directly into the agent's financial capabilities:

• Real-time spending controls (daily limits, per-transaction maximums)
• Recipient allowlisting and approval workflows
• Sub-200ms policy verification before every transaction
• Immutable policy attestations creating regulatory-grade audit trails

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Our Regulatory Foundation as a Strategic Advantage

As one of few companies holding both Canadian MSB registration and Bank of Canada Payment Service Provider approval, we operate with explicit regulatory permission to handle financial transactions at scale.

Consider the severe implications for regulated industries attempting to utilize autonomous agents without this foundation:

• Healthcare: Agents processing patient prior authorizations require HIPAA-compliant audit trails, risking massive fines if breached.
• Finance: Trading agents must maintain SOX-compliant transaction records and strict spending controls.
• Legal: Contract-executing agents must maintain immutable records satisfying rigorous evidentiary standards.

Without proper regulatory infrastructure, these high-value use cases remain inaccessible to AI agents. Our licenses transform what would be experimental projects into production-ready systems that can operate within existing regulatory frameworks.

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Creating Agent Wallets

Developers and enterprises can set up an AI agent wallet quickly using either the Chimoney App or Chimoney Web.

Using the Chimoney App:

• Download the Chimoney App, sign up, and complete KYC.
• Fund your main (parent) wallet to enable agent transactions.
• Navigate to the Account page, open your Profile, and switch to “Agent Profile.”
• Select “Create Agent Wallet.”
• Enter your agent’s name, description, and the amount to fund from your main wallet.
• Click “Deploy Agent Wallet” to finalize setup.

Using Chimoney Web:

• Open Chimoney Web APP, then sign in using your Chimoney App account details.
• If you’re new, sign up and complete your KYC.
• On the dashboard, click on “AI Agents” then select “Create Agent Wallet.”
• Enter your agent’s name, description, and funding amount, then click “Create Agent Wallet.”

Once the agent wallet is created, a digital passport is automatically assigned to the agent, and you can configure spending limits, approval workflows, and compliance rules. The agent wallet can then be linked to your AI agent to operate autonomously within the policies you’ve set.

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Looking Forward

Building the agentic economy requires a foundation of trust, compliance, and reliability. Our evolution from a trusted global payment API and infrastructure provider to offering the first digital passport and payment infrastructure for AI agents and humans represents our commitment to building that foundation the right way.

As developers and enterprises increasingly deploy AI agents to revenue-generating tasks, the financial infrastructure supporting these agents will determine which applications move from experimental to essential. We provide the integrated wallet, passport, and policy infrastructure that makes this transition possible.

This holiday season, we are also running two live campaigns, AI Secret Santa and 12 Days of AI Christmas, to demonstrate how agent wallets, identity, and policies work autonomously in real time. Companies can also launch and run similar campaigns directly on Chimoney. To learn more and start building, visit Chimoney.io