Payman AI is a secure financial platform designed to enable AI agents and humans to transact with real money safely, under programmable policy rules and human oversight. It acts as a financial layer allowing AI to initiate payments without direct access to funds, ensuring security, compliance, and traceability.

Who is Payman AI for?

It is for developers building AI applications needing automated payments, businesses automating finance workflows, and individuals who want AI to manage financial tasks safely and efficiently.

How does Payman AI work?

Users create wallets (USD, USDC, or test tokens), define policy rules (spending limits, approval requirements), and add payees to whitelist allowed recipients. AI agents send payment instructions through developer apps. Payman checks all policy rules, fund availability, and requires human approval if limits are exceeded before completing payments. AI never accesses funds directly.

What are the key features of Payman AI?

The key features of Payman AI include the creation of cryptocurrency and fiat wallets, programmable policies for spending limits, approvals, and payee restrictions, human-in-the-loop control for manual approval of payments above thresholds, automated and programmatic payment processing with APIs and SDKs, integration with AI agent frameworks such as OpenAI, Anthropic, and LangChain, real-time payment tracking and reporting, and a marketplace for task outsourcing where AI pays humans for tasks.

How does the natural language interface work?

Developers can use a single function call such as payman.ask("Send $10 to Jane for lunch") that performs parsing, policy evaluation, balance checking, and payment sending automatically behind the scenes with full compliance and auditability.

What payment methods and currencies are supported?

Live wallets currently support USD (ACH) and USDC. A sandbox token “TSD” is provided for testing and experimentation.

How is security handled?

Payman AI is SOC 2 and PCI certified, implementing strict security policies to protect data and transactions. AI never accesses primary bank accounts directly, mitigating risks of unauthorized access or fraud.

What control do users have?

Users create wallets, define spending policies, approve or deny payments, and manage payees. Developers configure apps and programmatic wallet access. AI agents operate strictly within the defined rules and limits.

What use cases does Payman support?

Payman supports use cases such as AI paying humans for task completion in marketplaces, automated payroll or expense reimbursement, AI-managed peer-to-peer payments, marketing payments (e.g., influencers), and engineering tasks such as paying for code reviews or user feedback.

How do developers get started?

Developers request an invite, enable developer mode, install the Payman SDK (e.g., via npm), register their app on the dashboard, configure wallets, policies, and payees, then integrate Payman APIs for automated payments.

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Payman AI

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Payman AI lets banks and businesses safely use AI to manage money. It acts as a secure layer between AI and banking systems, adding controls like spending limits and human approvals. This ensures AI can process payments reliably while humans keep oversight and compliance.

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Overview Features Use Cases FAQ

About Payman AI

Who It's ForThis tool is for banks, businesses, and developers who want to use AI for financial tasks. It helps anyone looking to automate payments safely and efficiently with AI, whether for internal workflows or new AI applications.### What You GetYou get a secure system that lets AI agents manage money without direct access to funds. It includes features like setting spending limits, approving transactions, protecting payees, and tracking payments. You can integrate it with your existing banking systems and deploy AI agents under your own brand.### How It WorksUsers set up virtual wallets and define rules for payments, such as spending caps or required approvals. AI agents send payment instructions, but Payman AI always checks these rules and fund availability. If a payment needs human approval, it asks for it. AI never directly touches your main bank accounts, keeping everything secure.

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Features & Capabilities

🔒 Security & Control Features

Human-in-the-Loop Approvals

Enables setting custom approval processes for transactions via an intuitive dashboard.

Configurable Spending Limits

Allows users to define detailed spending limits for AI Agents to manage expenditures.

Pre-Approved Payee Protection

Prevents unauthorized transactions by defining approved payees for AI money movement.

Real-Time Payment Tracking

Provides a reference ID and real-time status for every transaction, enabling seamless tracking and reporting.

⚙️ Core System Integration

Core Banking Integration

Safely integrates with existing core banking systems, allowing AI agents to access APIs without replacement.

Digital Banking Embedding

Facilitates embedding AI agents directly into existing digital banking platforms.

Mobile App Deployment

Supports deploying AI agents within mobile apps or launching branded AI-first banking experiences.

Use Cases

Automating Payments for AI-Driven Task Outsourcing

Businesses leveraging AI to manage workflows often require human intervention for specialized tasks, necessitating secure and compliant micro-payment solutions. Payman AI allows AI agents to securely compensate human task performers in marketplaces or internal systems, enforcing spending limits and human approvals to maintain control and ensure compliance.

Gig Economy, B2B SaaS, AI & TechnologyFor: AI Product Managers, Engineering Teams, Operations Managers

Secure AI-Initiated Corporate Financial Workflows

Companies struggle to automate critical financial operations like payroll, expense reimbursement, or marketing payments with AI due to security, compliance, and auditability concerns. Payman AI provides a robust orchestration layer, enabling AI agents to initiate these payments through existing core systems while enforcing programmable policies, spending limits, and real-time tracking with human oversight, significantly reducing risk.

Financial Services, Corporate Finance, B2B SaaSFor: Finance Controllers, Operations Managers, AI Application Developers

Integrating Agentic Payments into Digital Banking Platforms

Banks aim to enhance customer experiences with AI for personalized finance, but need a trusted, compliant way for AI agents to manage money without direct access to core banking. Payman AI allows financial institutions to embed AI agents into their digital and mobile platforms, securely connecting AI to existing core systems for money movement while upholding brand identity, compliance, and risk controls.

Banking, Financial ServicesFor: Digital Banking Product Managers, Core Banking Architects, Innovation Teams

AI-Managed Personal and Peer-to-Peer Payments

Individuals and small businesses seek to use AI for efficient personal finance and peer-to-peer transactions, but demand stringent security and control to prevent unauthorized activity. Payman AI empowers users to delegate peer-to-peer payments to AI agents with confidence, using customizable policies for spending limits, pre-approved payees, and human approval for secure and efficient AI-driven money transfers.

Fintech, Personal Finance, Consumer BankingFor: Individuals, Small Business Owners, Fintech App Developers

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Payman AI

4.6

• 45 views

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Overview Features Use Cases FAQ

About Payman AI