Three Outcomes. Zero Ambiguity.

Every payment intent receives a deterministic governance decision before settlement.

ALLOW

Compliant. Settled.

Agent verified, policy passed, optimal rail selected. Payment settles via SEPA, Stripe, SWIFT, or stablecoin in under 2 seconds.

KYA: trust_score=81 CONTINUE
Governance: sanctions=CLEAR CONTINUE
Control: risk=12 rail=sepa CONTINUE
Execution: settled Tx:pi_3Qx...
Audit: compliant retention=7yr

BLOCK

Rejected. Logged.

Sanctions match, unknown agent, exposure ceiling breach, or network threat detected. Payment blocked before any funds move.

KYA: agent=rogue-999 REJECT
reason: KYA-UNKNOWN-AGENT
detail: Agent not registered
Audit: non-compliant [FATF]
retention=7yr immutable

ESCALATE

Human Review Required.

Dual-approval threshold, borderline trust score, or high-risk corridor. Pipeline pauses. Human approves, rejects, or modifies via dashboard or API.

Governance: amount >= threshold
action: ESCALATE (HITL)
detail: Requires human approval
Dashboard: APPROVE / REJECT
Pipeline resumes on decision

Built for the AI Economy

Protocol-agnostic infrastructure. Enterprise to consumer. Traditional rails to DeFi.

◈

Know Your Agent (KYA)

Identity verification, trust scoring, exposure ceilings, and AgentProof oracle integration. Passport issuance across SDK, On-Chain, ERC-8004, x402, and MPP sources.

⬡

Policy Engine

Per-tenant, per-vertical governance rules. Sanctions screening against 8 jurisdictions, spend limits, KYC/AML, and custom escalation rules configurable via API. Travel Rule compliance across 4 jurisdictions (FATF, EU, US, Singapore). SAR/STR auto-generation with regulatory indicator cross-referencing. Frequency and cumulative exposure enforcement at the governance layer. Self-imposed limits aren't compliance.

◆

Multi-Rail Governance

Multi-rail governance across SEPA, SWIFT, RTP, ACH, Visa, Mastercard, and USDC on multiple blockchain networks. SEPA via Stripe is the native execution rail; all other rails operate in governance-only mode per ADR 010 — Revvyn produces the ALLOW / BLOCK / ESCALATE decision; partner routes execution via their own rail connectivity.

▸

Real-Time Settlement

Pluggable BaseRail interface. SEPA via Stripe is the native execution rail; all other rails operate in governance-only mode per ADR 010. Partner-routed execution. New rails added without core changes.

◫

Immutable Audit Trail

Every decision recorded with reason codes, confidence scores, and regulatory framework tags. 7-year retention. Tamper-proof hash chain. SOC2 controls mapped. Regulatory risk indicators from FATF, MiCA, DORA, eIDAS2, and BSA/AML cross-referenced on every decision.

⚠

Network Intelligence

IP reputation, VPN/Tor detection, geo-mismatch analysis, velocity checks. Real-time threat scoring on every request. 18 corridor risk assessments.

Intelligence Layer

Agents that learn. Systems that remember.

Revvyn doesn't just enforce — it learns from every governance decision, detects anomalies in real time, maps payment corridors, and replays any historical decision on demand.

★

Collective Memory

Every governance decision creates a memory. Agents store observations, learn from feedback, and share high-confidence patterns across the team via the Agent Bus. Memories accumulate from every transaction — the system gets smarter with every decision.

⚠

Anomaly Detection

8 anomaly types monitored continuously. Warnings at 2σ, critical alerts at 3σ. Approval rate spikes, confidence drops, latency surges, volume anomalies — detected and published to the Agent Bus in real time.

◈

Corridor Intelligence

18 payment corridors tracked with volume, revenue, risk scores, and growth rates. Expansion recommendations. Highest-risk corridor identification. Top-growing corridor analysis. All wired to ARIA for natural language queries.

↻

Governance Replay

Any historical governance decision can be replayed — the full 6-agent cascade, step by step, with the exact signals, scores, and reasoning that produced the outcome. Every ALLOW, BLOCK, and ESCALATE is replayable.

◈

Regulatory Risk Engine

61 risk indicators across 7 regulatory frameworks. FATF stablecoin typologies, MiCA market abuse patterns, DORA operational resilience signals. Every SAR auto-generated with regulatory indicator codes. Every anomaly alert cross-referenced to its source framework.

Billing Engine

Dynamic bps pricing tiers (starter 5bps to enterprise 2bps), branded PDF invoice generation, free tier with 1,000 transactions, overdue invoice chasing with graduated 5-step escalation, and auto-tier recommendations based on 30-day volume.

✎

Partner Contracts

CCO-managed legal agreements auto-generated on onboarding. Partner Agreement, SLA (99.9% uptime), DPA (GDPR/MiCA compliant), and Acceptable Use Policy. SHA-256 hashed for integrity. Digital signing with 12-month expiry.

✎

Support System

AI-powered ticket resolution with auto-routing to specialised support agents. 15-article knowledge base. 3-tier escalation: AI agent auto-response, Head of Support pattern detection, 48-hour human escalation. Partner portal at /partner/support.

✉

Notification Channels

Real-time push notifications from ARIA via Telegram, Email (Resend), Webhook (HMAC-signed), and WhatsApp. Per-tenant severity filtering: all, warning+, or critical only. Every significant governance event triggers automatic dispatch to configured channels.

☰

CFO/CCO Reporting

Auto-generated weekly, monthly, quarterly, and annual reports. CFO reports cover revenue, volume, trends, tier recommendations. CCO reports cover sanctions, compliance posture, audit integrity, regulatory coverage. Board-ready and regulator-ready formats.

⚙

CTO Agent

Production monitoring brain. Categorises bugs, correlates anomalies (3+ in 10 min triggers critical alert), tracks agent health, runs 6-hour health checks. Recalls past patterns to detect repeat issues. Learns from every diagnostic.

⚡

Agent Communication Bus

55+ event subscriptions across 23 agents. Real-time pub/sub event-driven communication. Every governance decision triggers cascading reactions across the entire network. Pattern detection, cross-agent learning, and autonomous escalation — all in under 10ms.

Agent Architecture

18 autonomous agents. One living nervous system.

Agents communicate via a pub/sub event bus, share patterns, detect anomalies, and make governance decisions — in real time. Every governance decision triggers real-time reactions across all 23 agents. Intelligence builds risk patterns. Compliance tracks posture. Corridors update risk scores. Health monitors for drift. CFO tracks revenue. CCO watches for sanctions. Onboarding detects partner milestones. All autonomous. All learning. All 24/7.

Pipeline Agents

Identity verification & trust scoring

Intent classification & routing

Policy & sanctions enforcement

Risk assessment & rail selection

Real-time settlement

Immutable compliance record

6 agents in deterministic sequence

Intelligence Agents

Sanctions & watchlist scanning

On-chain registry monitoring

Protocol governance interception

Anomaly detection & alerting

Corridor analysis & risk mapping

System health monitoring

Collective memory & pattern learning

8 agents running continuously

Executive Agents

Natural language platform interface

Revenue & fee tracking

Compliance oversight & reporting

Partner onboarding & setup

4 agents managing operations

Operations Console

30+ pages of live operational intelligence.

Every page interactive. Every metric live. Every transaction clickable.

◎

Mission Control

Real governance cascades, live transaction feed, passport status, danger glow on BLOCK/ESCALATE. Every decision visible as it happens.

★

Agent Bus

Living nervous system. Chat-style agent-to-agent communication, neural network diagram, 13 event types, pub/sub architecture.

☤

Health Monitor

Real metrics blended with baselines. Per-agent health scores, anomaly alerts, performance breakdown. Click any agent for full diagnostic.

◉

Passport Registry

Auto-issued across 5 sources: SDK, On-Chain, ERC-8004, x402, MPP. Universal identity layer for every governed agent.

◆

CFO Dashboard

Revenue by decision type, top corridors, 3bps fee tracking on all governed transactions. Real revenue from day one.

◗

ARIA CEO Agent

Natural language interface to the entire platform. Ask ARIA about any agent, corridor, transaction, or governance decision.

Platform at a Glance

Not a prototype. A live governance operating system.

Pre-Execution

Governance before settlement

ALLOW / BLOCK / ESCALATE decisions before any rail processes a transaction. Not a payment processor. The decision layer above all rails.

Agent Passports

Verifiable identity for autonomous agents

Cryptographically verifiable agent credentials with stamped governance history. Cross-partner reputation, trust scoring, and exposure ceilings.

Immutable Audit

Every decision, replayable

Tamper-proof hash chain with 7-year retention. Governance Replay reproduces any historical decision from input snapshot and policy version.

Regulatory Mapping

FATF, MiCA, DORA, eIDAS2, BSA/AML

Regulatory risk indicators cross-referenced on every decision. Travel Rule compliance. SAR/STR auto-generation. SOC2 controls mapped.

The Governance Layer for Agentic Commerce

Three Outcomes. Zero Ambiguity.

Built for the AI Economy

Agents that learn. Systems that remember.

18 autonomous agents. One living nervous system.

30+ pages of live operational intelligence.

Ready to govern your agent payments?