Side-by-Side Comparison
| Feature | Chimoney | Stripe |
|---|---|---|
| Payments | ✅ Yes - Interledger, stablecoins, 130+ countries | ✅ Yes - Card payments, bank transfers |
| Identity (W3C DID) | ✅ Yes - W3C DIDs with L4 assurance | ❌ No - No agent identity |
| Policy Controls | ✅ Yes - Daily limits, approval workflows, audit trails | ❌ No - Basic fraud prevention only |
| L4 Assurance | ✅ Yes - KYC-backed credentials | ❌ No - No assurance levels |
| Licensed Infrastructure | ✅ Yes - MSB + PSP (Bank of Canada) | ⚠️ Partial - Licensed but not specialized for AI agents |
| Time to Integrate | ⚡ 5 minutes (via chimoney.app) | ⏱️ 2-3 weeks (API integration required) |
| AI Agent Focus | ✅ Built for AI agents from the ground up | ❌ Built for humans, adapted for agents |
| Audit Trails | ✅ Cryptographic, immutable audit trails | ⚠️ Basic transaction logs |
| Multi-Rail Orchestration | ✅ 10+ payment methods, automatic routing | ⚠️ Limited to card and bank transfers |
When to Use Each Platform
Use Stripe When:
- •Simple payments for human users
- •No identity verification needed
- •Human users only (no AI agents)
- •Basic fraud prevention (Radar) is sufficient
- •You have 2-3 weeks for integration
Use Chimoney When:
- ✅Building AI agents that need wallets AND passports
- ✅Compliance requirements (SOX, HIPAA, FINRA)
- ✅Policy controls and spending limits needed
- ✅Need to create agent wallets in 5 minutes
- ✅Multi-rail orchestration across 130+ countries
Why Developers Choose Chimoney for AI Agents
Integrated Stack vs Point Solutions
Stripe gives agents wallets. Okta gives agents identity. We give agents both, plus policy controls—in one platform. No need to integrate multiple services.
Built for AI Agents from Day One
Chimoney was designed for AI agents operating at machine speed. W3C DIDs, policy controls, and immutable audit trails are built-in, not bolted on.
Licensed Infrastructure
Canadian MSB + Bank of Canada PSP licenses. Production Interledger provider. L4 financial-grade assurance. Regulated industries require this—we have it.
5 Minutes to Create Agent Wallet
Via chimoney.app visual platform. No complex API integration required. Stripe takes 2-3 weeks. We take 5 minutes.