ageni pay

@agenihub/pay · v0.1.0

The unification payment gateway built for the agentic era — giving an AI agent full control over money on both sides of the ledger: collecting what comes in, and spending what goes out, across every rail and provider, under explicit guardrails.

Two sides of the ledger

←  money in

Collection

Accept, route, settle, and reconcile incoming payments across every rail and provider.

  • Accept a payment, in any method & currency
  • Route & cascade to win the authorization
  • Settle, pay out, and reconcile to the cent
money out  →

Spend

Make purchases, pay obligations, and allocate investments outbound — under guardrails.

  • Buy from a vendor, pay a bill, fund an investment
  • Route each outflow to the optimal rail
  • Expense, categorize, and reconcile to the books

A gateway over many — not a lock to one

Owns

The unified payment layer

pay is its own gateway over many processors: it owns the unified payment model (collection + spend), the agent spending-authority guardrails, and the immutable money audit trail. It is an agenihub/one wrapper specialized in payment — it owns the gateway logic, never the provider SDKs.

Delegates & consumes
Every processor / bank / card-network connection, auth, rate limit, schema→agenihub/one
Measurement of any payment metric→agenihub/measure
The commercial offer being paid for (pricing, the sale)→agenihub/store

Build-your-own-gateway, unified

Authorization & capture Tokenization / vaulting Multi-processor routing & cascading Settlement & payouts Fraud / risk Retries Reconciliation Multi-currency

Agent control & trust — first-class, not add-ons

Giving an agent money authority is safe only with guardrails on every movement:

Per-transaction caps Category & daily budgets Vendor allow / block lists Human approval above thresholds Instant freeze / revoke Immutable audit trail

Jobs-to-be-Done · 18 outcomes across 3 analyst passes

A · Collectionbe paid
C1Accept a payment across any method, rail, and currency
C2Route & cascade each transaction to win the authorization
C3Custody & reuse payment credentials portably
C4Screen each transaction for fraud & risk before collecting
C5Recover failed and declined collections
C6Reconcile captured charges to settled funds & fees
B · Spendpay out
S1Execute a purchase across vendors & rails for the principal
S2Settle a due obligation (invoice, bill, payroll, supplier)
S3Route each outflow to the optimal provider & rail
S4Prevent unauthorized, duplicate & erroneous outflows
S5Position & convert funds to cover scheduled outflows
S6Reconcile & categorize every outflow against budget & books
C · Trustdelegate safely
T1Bound an agent's spending authority before it can transact
T2Authorize & prove the intent behind each transaction
T3Escalate high-stakes money movements for human approval
T4Contain a compromised or misbehaving agent
T5Reconstruct the complete history of every money movement
T6Separate duties so no single agent acts unchecked
i
Scaffold stage. This product defines the unified payment model, its two sides, and the jobs-and-outcomes it serves. The event-sourced pay team is authored on top via /ageni:team. Outcomes are stated in Ulwick ODI form and ranked by opportunity score.