New startup ideas · collection
collection
Money rails for agentic commerce
Startup ideas for the moment when AI agents start buying, paying and settling on their owners' behalf, and stablecoins get a rulebook.
Two things changed in the last twelve months. Payment networks, Stripe and the big commerce platforms shipped open protocols for AI agents to discover products, check out and pay with scoped tokens instead of raw cards. And US stablecoins got a federal statute with implementing rules now in draft, while a market-structure bill moves through the Senate. This collection holds the ideas that ride those two shifts: infrastructure, APIs, agents and software that help merchants, platforms and finance teams at this stage. No marketplaces.
What changed in the last twelve months
Dated facts the collection is built on; each links to where it was read.
GENIUS Act rules in draft
The GENIUS Act, the first US federal statute for payment stablecoins, was signed on July 18, 2025. The OCC published its proposed implementing rule on March 2, 2026 and Treasury its rule for state-level issuers on April 3, 2026; final rules are due by July 18, 2026, and the Act takes effect on the earlier of January 18, 2027 or 120 days after final rules.
CLARITY Act on the Senate floor
The Digital Asset Market Clarity Act cleared the Senate Banking Committee on May 14, 2026; the motion to proceed was filed on August 8, 2026, setting up a floor vote after the recess. Open points include stablecoin yield: the January 2026 draft bans interest for merely holding a balance but allows activity-linked rewards.
Stablecoin payments doubled
Industry reports put actual stablecoin payment volume at about $390 billion in 2025, more than double 2024, with B2B payments around $226 billion. The EU's MiCA has been fully in force since December 2024, so euro stablecoins already have a licensing regime.
Stripe: ACP, shared payment tokens, Tempo
Stripe and OpenAI published the Agentic Commerce Protocol in 2025 (Meta joined later): an agent completes a purchase with a Shared Payment Token scoped to one merchant, one amount and a short expiry, never holding the card. In 2026 Stripe packaged it as the Agentic Commerce Suite, used by Coach, URBN, Revolve, Etsy, Squarespace, Wix, WooCommerce and BigCommerce. Tempo, the stablecoin L1 incubated by Stripe and Paradigm, launched its mainnet and the Machine Payments Protocol for agent-to-service payments in March 2026.
Stripe newsroom, Agentic Commerce Suite; Fortune on Tempo, March 18, 2026
Visa and Mastercard agent rails
Visa's Trusted Agent Protocol (September 2025) issues a verified agent identity plus an issuer-signed consent record; in 2026 it became Visa Intelligent Commerce with a single integration, Intelligent Commerce Connect. Mastercard Agent Pay (April 2025) binds an Agentic Token to one agent, one merchant scope and one consent policy. Both networks joined Google's AP2 protocol in September 2025.
UCP: one checkout protocol for agents
Google announced the Universal Commerce Protocol on January 11, 2026 at NRF, co-developed with Shopify, Etsy, Wayfair, Target and Walmart and endorsed by Visa, Mastercard, Stripe and American Express; by March 2026 it covered carts, live catalog queries and loyalty identity. Shopify reported AI-driven traffic to its stores up 8x year over year in Q1 2026 and orders from AI search up nearly 13x.
Shopify Engineering, Building the Universal Commerce Protocol
What the directory shows
Companies across 15 accelerators whose pitch mentions each term: last two years / all-time / alive now.
- fraud 31 / 174 / 150
- invoice 30 / 132 / 120
- kyc 15 / 57 / 54
- cross-border 14 / 85 / 75
- stablecoin 14 / 46 / 46
- tokeniz 12 / 29 / 27
- settlement 10 / 50 / 48
- payout 8 / 45 / 41
- customs 7 / 20 / 19
- checkout 5 / 70 / 55
- treasury 5 / 29 / 25
- duties 2 / 6 / 6
- agentic commerce 2 / 4 / 4
- chargeback 1 / 10 / 7
- agent payments 1 / 1 / 1
- agentic payments 1 / 1 / 1
- merchant of record 0 / 4 / 4
- payment orchestration 0 / 2 / 2
Fresh concepts
Written for this collection, one call per sub-theme, from the dated developments above and what the directory shows from 2025 on; each names the development it rides and the 2025-26 signals it is grounded in. Each concept has its own page.
Set of 46, generated 2026-08-26 by claude-fable-5.
Agent checkout and scoped payment tokens
The merchant and PSP side of ACP, UCP, AP2, Visa TAP and Mastercard Agent Pay: accepting agent-initiated orders, shared payment tokens, checkout conformance, multi-protocol support for merchants who cannot pick one.
UCP
Quadrail
One endpoint that speaks ACP, UCP, AP2 and both card network agent protocols
A translation gateway that lets a merchant with a custom or headless cart accept agent-initiated orders from any of the live protocols through a single integration.
grounded in Four protocols shipped in under a year: Mastercard Agent Pay (April 2025), Visa's Trusted Agent Protocol (September 2025), Stripe and OpenAI's Agentic Commerce Protocol (2025), and Google's Universal Commerce Protocol announced January 11, 2026 with Shopify, Etsy, Wayfair, Target and Walmart.
UCP
Cartproof
Continuous conformance testing for merchant agent checkout endpoints
Simulated agent buyers run real purchase, refund and token-expiry flows against a merchant's ACP and UCP endpoints every night and on every deploy.
grounded in UCP was announced January 11, 2026 and by March 2026 covered carts, live catalog queries and loyalty identity, meaning the surface to conform to grew twice in one quarter.
Scoped payment tokens across Stripe's ACP
Tokentrace
Reconciliation built around scoped payment tokens for PSPs handling agent orders
A reconciliation layer for payment service providers that keys every agent-initiated transaction to its token scope: which agent, which merchant, what amount cap, what expiry, what consent record.
grounded in Stripe's 2025 ACP completes purchases with a Shared Payment Token 'scoped to one merchant, one amount and a short expiry'; Mastercard Agent Pay (April 2025) 'binds an Agentic Token to one agent, one merchant scope and one consent policy'; Visa TAP (September 2025) adds an issuer-signed consent record.
Visa TAP and Mastercard Agent Pay
Countersign
Dispute defense for agent purchases using issuer-signed consent records
An agent service that fights chargebacks on agent-initiated orders.
grounded in Visa's Trusted Agent Protocol (September 2025) issues 'a verified agent identity plus an issuer-signed consent record', which is purpose-built dispute evidence nobody is operationalizing: the keyword data shows 1 company mentioning 'chargeback' in the last two years against 7 alive all-time.
UCP
Dutyline
Landed cost inside the agent checkout response for cross-border orders
An API that computes duties, import taxes and cross-border fees inside ACP and UCP checkout responses, so the total an agent quotes its owner is the total that gets charged.
grounded in UCP, announced January 11, 2026 with Shopify, Etsy, Wayfair, Target and Walmart, covered carts and live catalog queries by March 2026 but leaves cross-border duty calculation to the merchant.
Visa TAP and Mastercard Agent Pay
Consentry
Verification gateway that tells merchants which agent orders to trust
An API at the storefront and PSP edge that validates an incoming agent order before acceptance: checks the Visa TAP agent identity and issuer-signed consent record, verifies a Mastercard Agentic Token's binding to agent, merchant and consent policy, and rejects scrapers impersonating trusted agents.
grounded in Visa's Trusted Agent Protocol (September 2025) issues verified agent identities and issuer-signed consent records, and in 2026 became Visa Intelligent Commerce; Mastercard Agent Pay (April 2025) binds Agentic Tokens to one agent and one consent policy; both networks joined Google's AP2 in September 2025.
Agent identity, consent and spend policy for businesses
Companies letting AI agents buy, subscribe and pay on their behalf: agent credentials, per-agent limits, approvals, consent records, audit of every dollar an agent moves.
Visa TAP
Keyfleet
Credential lifecycle for every AI agent a company lets spend money
Keyfleet issues a signed, verifiable identity to each corporate AI agent, binds it to a human owner and a spend mandate, and handles rotation and instant revocation.
grounded in Visa's Trusted Agent Protocol (September 2025) with issuer-signed consent records; Mastercard Agent Pay (April 2025) binding an Agentic Token to one agent, one merchant scope and one consent policy; both networks joined Google's AP2 protocol in September 2025; agent infrastructure cohorts added 148 companies in 2025 and 126 in 2026 with no agent credential manager among the tracked pitches.
Stripe
Mintgate
Policy engine deciding when an agent gets a scoped payment token
Mintgate sits between an agent builder's product and the payment rail: every token request is checked against per-agent budgets, merchant allowlists, velocity limits and time windows before a scoped token is minted.
grounded in The Agentic Commerce Protocol published by Stripe and OpenAI in 2025, packaged in 2026 as the Agentic Commerce Suite used by Coach, URBN, Revolve, Etsy, Squarespace, Wix, WooCommerce and BigCommerce; Orthogonal (yc W26) doing agentic payments for APIs; Shopify reporting orders from AI search up nearly 13x in Q1 2026.
Visa and Mastercard agent rails plus AP2
Trailproof
An audit agent that reconstructs consent for every dollar your agents spent
Trailproof is a service agent for finance and compliance teams: it pulls consent records, mandates and token scopes from AP2, TAP and ACP integrations, matches them to ledger entries, and produces an evidence file per transaction.
grounded in Both networks joined Google's AP2 protocol in September 2025; YC's Fall 2026 Request for Startups includes 'AI-Native Compliance Infrastructure'; Socratix AI (yc S25) ships AI coworkers for fraud and compliance teams; End Close (yc W26) does AI powered reconciliation for high-volume payments companies but not consent evidence.
Mastercard Agent Pay
Holdpoint
Human approvals that become signed consent records for agent purchases
Holdpoint intercepts agent purchase intents above a threshold and routes them to the right human in Slack or email; the approval is captured as a structured consent record and passed to the payment rail with the token request.
grounded in Mastercard Agent Pay (April 2025) requiring a consent policy per Agentic Token; TAP's issuer-signed consent record (September 2025); UCP announced January 11, 2026 covering carts and live catalog queries, which multiplies the purchase intents agents can generate; Endl (500global MENA 9, 2025) doing global team spend for human teams.
Stripe
Meterline
Per-agent stablecoin allowances and kill switches for machine-to-machine payments
Meterline gives teams running agent fleets a budget layer for agent-to-service payments: each agent gets a stablecoin allowance with rate limits, counterparty allowlists and an instant kill switch, and every micro-payment is attributed back to an agent and owner.
grounded in Tempo, the stablecoin L1 incubated by Stripe and Paradigm, launched its mainnet and the Machine Payments Protocol in March 2026; stablecoin payment volume reached about $390 billion in 2025, more than double 2024, with B2B payments around $226 billion; Infinite (yc W25) and BlindPay (yc W25) building stablecoin processing and APIs without per-agent controls.
Visa and Mastercard agent rails
Vetgate
One decision point for banks verifying agent credentials across every rail
Vetgate gives issuers and PSPs a single API that validates an inbound agent's identity and consent record whether it arrives via TAP, Agent Pay, AP2 or an ACP token request, then applies the bank's own agent risk policy before authorization.
grounded in Visa Trusted Agent Protocol (September 2025) becoming Visa Intelligent Commerce in 2026; Mastercard Agent Pay (April 2025); both networks joining Google's AP2 in September 2025; UCP announced January 11, 2026 endorsed by Visa, Mastercard, Stripe and American Express; Cross River Bank raising $50M on April 1, 2026 to support its fintech operations, showing bank-side fintech budgets are active.
Disputes, refunds and reconciliation for agent purchases
What breaks after an agent buys: chargebacks with no human clickstream, returns and refunds across agents and merchants, reconciling agent orders with ERPs and ledgers, evidence for issuers.
Visa and Mastercard agent rails
Attesta
Chargeback evidence packets built from agent consent records
Attesta plugs into a merchant's order flow and captures the machine-side trail of every agent purchase: the Shared Payment Token scope, the agent identity, the issuer-signed consent record.
grounded in Visa's Trusted Agent Protocol (September 2025) with issuer-signed consent records, now Visa Intelligent Commerce with Intelligent Commerce Connect in 2026; Mastercard Agent Pay (April 2025) binding an Agentic Token to one agent, one merchant scope and one consent policy; Stripe's Agentic Commerce Suite live in 2026 at Coach, URBN, Revolve, Etsy, Squarespace, Wix, WooCommerce and BigCommerce; keyword coverage shows only 1 company mentioning 'chargeback' in the last two years.
Stripe
Reversio
Refund rails for purchases made with expired scoped tokens
Reversio is an API that executes returns and refunds for agent purchases after the original Shared Payment Token or Agentic Token has expired, routing the reversal to the right funding source and notifying the originating agent and its owner.
grounded in The Agentic Commerce Protocol published by Stripe and OpenAI in 2025 with tokens scoped to one merchant, one amount and a short expiry; the Universal Commerce Protocol announced January 11, 2026, covering carts, live catalog queries and loyalty identity by March 2026 but not returns; Orthogonal (yc W26) doing agentic payments for APIs shows the forward path is being built while the reverse path is not.
UCP
Tallybridge
Reconciles agent-originated orders against ERPs and the general ledger
Tallybridge ingests agent orders from ACP, UCP and network agent rails, matches them to ERP purchase orders, settlement files and ledger entries, and flags orders no human approved.
grounded in UCP announced January 11, 2026, co-developed with Shopify, Etsy, Wayfair, Target and Walmart, covering carts and live catalog queries by March 2026; End Close (yc W26) doing AI powered reconciliation for high-volume payments companies; the emerging term 'ainative erp' with 3 companies in 2025-2026 vs 0 before; Shopify's AI-driven traffic up 8x year over year in Q1 2026.
Visa and Mastercard agent rails
Verdikt
Issuer-side triage for disputes on agent-initiated transactions
Verdikt gives issuing banks and card programs a decision layer for disputes where the transaction came from an AI agent: it parses Trusted Agent Protocol identities, consent records and token scopes to determine whether the agent acted within its mandate, then recommends accept, represent or write off.
grounded in Visa's Trusted Agent Protocol (September 2025) with issuer-signed consent records, expanded to Visa Intelligent Commerce in 2026; Mastercard Agent Pay (April 2025) with consent policies bound to Agentic Tokens; both networks joining Google's AP2 in September 2025; Rapidfolio (yc S26) building AI for fintechs and banks signals issuers are buying AI tooling now.
Stripe
Refluent
Refund and reconciliation layer for stablecoin agent payments
Refluent is an API that gives stablecoin payment processors and merchants a refund primitive on rails where reversals do not exist: it maintains a refund ledger linked to original on-chain settlements, executes return transfers on Tempo and other chains, and produces the reconciliation and audit records GENIUS-regulated flows will require.
grounded in Tempo mainnet and the Machine Payments Protocol launched March 2026 (Fortune, March 18, 2026); stablecoin payment volume about $390 billion in 2025, more than double 2024, with B2B around $226 billion; GENIUS Act signed July 18, 2025 with OCC proposed rule March 2, 2026 and final rules due July 18, 2026; Infinite (yc W25) and BlindPay (yc W25) building stablecoin processing without a dispute layer.
UCP
Dutyback
Recovers duties and tax when cross-border agent orders come back
Dutyback is an agent service that handles the return leg of cross-border purchases made by AI agents: it files duty drawback and import VAT reclaims, computes the correct refund net of unrecoverable charges, and feeds the adjustment back to the merchant's books.
grounded in UCP announced January 11, 2026 with Shopify, Etsy, Wayfair, Target and Walmart; Shopify AI-driven store traffic up 8x and AI-search orders up nearly 13x in Q1 2026; ShipTag (500global 2025) handling duties and taxes for outbound cross-border e-commerce and HEVN (yc X26) doing cross-border payments for exporters, both forward-flow only; keyword coverage shows 'duties' at just 2 companies in the last two years.
Stablecoin issuance, treasury and payout operations under GENIUS and MiCA
Reserve reporting, redemption operations, compliance for permitted issuers and state regimes, corporate treasury holding stablecoins, payouts to contractors and suppliers on stablecoin rails.
GENIUS Act rules in draft
Parflow
Redemption operations API for stablecoin issuer programs
Parflow runs the redemption side of a stablecoin program as an API: intake of redemption requests, KYC status checks, queue and cutoff management, liquidity ladder monitoring against reserve maturities, and a white-label redemption portal.
grounded in GENIUS Act signed July 18, 2025 with OCC proposed rule March 2, 2026 and Treasury state-issuer rule April 3, 2026; stablecoin payment volume about $390 billion in 2025, more than double 2024, with B2B around $226 billion (OpenFX report, 2026); 'settlement' keyword at only 10 companies in the last 2 years
Stablecoin rails under GENIUS/MiCA for the holding and reconciliation workflow
Stablebooks
Treasury policy and reconciliation layer for companies holding stablecoins
Stablebooks lets a mid-market finance team hold operating balances in stablecoins with controls: board-approved policy limits per coin and issuer, automatic sweeps between bank accounts and stablecoin wallets, and reconciliation of on-chain movements to the ERP at month-end.
grounded in B2B stablecoin payments around $226 billion in 2025 (OpenFX report, 2026); CLARITY Act cleared Senate Banking Committee May 14, 2026, with the January 2026 draft banning interest for merely holding a balance but allowing activity-linked rewards; Mesh (yc W25), End Close (yc W26) and Panax (plugandplay 2025) all show finance-team reconciliation demand but none touch stablecoin regimes
Stablecoin rails under GENIUS/MiCA
Corridorline
Payout orchestration across stablecoin rails with compliance evidence built in
Corridorline is one API that routes contractor and supplier payouts across multiple stablecoin payment providers, choosing the rail per corridor and attaching the evidence finance teams need: invoice match, approval record, FX rate at execution and travel-rule data exchange.
grounded in Crebit (speedrun SR006, 2026) doing rate-locking for stablecoin FX at $2M/mo processing and 100% MoM growth; HEVN (yc X26) on cross-border payments for exporters; Archer (yc X26) on global payouts for the workforce powering AI; Notabene Form D of $11M on July 30, 2026; 'payment orchestration' keyword at 0 companies in the last 2 years
GENIUS Act rules in draft on the US side and stablecoin rails under GENIUS/MiCA on the EU side; the product exists because the two rulebooks now run in parallel
Regimark
Agent service that builds dual GENIUS and MiCA compliance evidence for issuers
Regimark runs AI agents that map an issuer's policies, reserve arrangements and disclosures against both the US GENIUS rulebook and MiCA, flag the gaps, and assemble the evidence files each regulator expects.
grounded in OCC proposed rule March 2, 2026 and Treasury state-issuer rule April 3, 2026 versus MiCA fully in force since December 2024; YC RFS Fall 2026 'AI-Native Compliance Infrastructure'; MarkIt (yc F25) validating workspaces for cross-border regulatory work; emerging term 'ensuring compliance' with 3 companies in 2025-2026 vs 0 before
CLARITY Act on the Senate floor
Rewardrail
Compliant activity-linked rewards engine for stablecoin issuers and platforms
Rewardrail is an API that lets issuers and payment platforms run stablecoin reward programs structured around payment activity rather than balances, the distinction the CLARITY draft draws.
grounded in CLARITY cleared the Senate Banking Committee on May 14, 2026 and the motion to proceed was filed August 8, 2026 with stablecoin yield listed as an open point; the January 2026 draft's holding-interest ban versus activity-linked rewards allowance; stablecoin payment volume of about $390 billion in 2025
Cross-border commerce inside agent checkout
Duties, taxes, FX, local payment methods and settlement between countries when the buyer is an agent; SMB exporters and importers; landed cost at quote time; customs data as a product.
UCP
Clearquote
Landed cost inside the agent's checkout quote, duties and taxes priced before the token
An API that platforms and merchants plug into their UCP and ACP endpoints so that when a foreign agent queries a catalog, the returned price already includes duties, import VAT and FX.
grounded in 'Google announced the Universal Commerce Protocol on January 11, 2026 at NRF' with Shopify, Etsy, Wayfair, Target and Walmart; 'by March 2026 it covered carts, live catalog queries'; 'Shopify reported AI-driven traffic to its stores up 8x year over year in Q1 2026 and orders from AI search up nearly 13x'; ACP tokens are 'scoped to one merchant, one amount and a short expiry'.
Stripe
Drawpoint
An agent that files duty refunds when cross-border agent orders come back
When an agent-initiated import is returned or refused, Drawpoint's agent assembles the customs entry, the ACP token record and the return shipment proof, files the duty drawback or re-import relief claim, and reconciles the FX difference between charge and refund.
grounded in ACP published in 2025 and packaged in 2026 as the 'Agentic Commerce Suite, used by Coach, URBN, Revolve, Etsy, Squarespace, Wix, WooCommerce and BigCommerce'; HEVN, inc (yc X26, 2026) doing 'Cross-border payments for exporters of physical goods' shows the exporter wedge is live; keyword coverage shows 'chargeback' at 1 company in the last 2 years and 'duties' at 2.
GENIUS Act rules in draft
Pegwise
Stablecoin settlement between the agent's currency and the merchant's, with locked FX
A settlement API for PSPs and merchant acquirers that takes a cross-border agent transaction authorized in the buyer's currency, moves value over stablecoin rails, and delivers local currency to the merchant at a rate locked at authorization.
grounded in 'Industry reports put actual stablecoin payment volume at about $390 billion in 2025, more than double 2024, with B2B payments around $226 billion'; 'final rules are due by July 18, 2026'; 'Tempo, the stablecoin L1 incubated by Stripe and Paradigm, launched its mainnet and the Machine Payments Protocol for agent-to-service payments in March 2026'; Crebit (speedrun SR006, 2026) is 'Rate-locking for stablecoin FX.
UCP
Dutygraph
The customs knowledge base agents query before buying across a border
A machine-readable API of HS classifications, duty rates, de minimis thresholds, restricted-party rules and import permissions, versioned daily and served in the shape agent frameworks expect.
grounded in UCP 'by March 2026 it covered carts, live catalog queries and loyalty identity'; YC RFS Fall 2026 'Self-Maintaining APIs'; keyword coverage shows 'customs' at 7 companies in the last 2 years against 31 for 'fraud', so customs data as a product is thinly covered; Trava (yc W25, 2025) and Tarifflo Inc.
Visa and Mastercard agent rails
Portrule
Spend policy for purchasing agents that buy from foreign suppliers
Software that lets an importer define what its buying agents may do abroad: which countries and suppliers, landed-cost ceilings per order, screening against restricted parties, and which currency and rail to settle on.
grounded in 'Mastercard Agent Pay (April 2025) binds an Agentic Token to one agent, one merchant scope and one consent policy'; 'Visa's Trusted Agent Protocol (September 2025)' became 'Visa Intelligent Commerce with a single integration, Intelligent Commerce Connect' in 2026; Donkey (yc S26, 2026), 'China factory-direct for US importers', and HEVN, inc (yc X26, 2026) show 2026 cohorts converging on SMB import-export flows.
GENIUS Act rules in draft
Attesto
Regulator-ready evidence for every cross-border stablecoin settlement an agent triggers
A system of record for finance and compliance teams at fintechs and PSPs that settle agent-initiated cross-border payments in stablecoins.
grounded in 'The OCC published its proposed implementing rule on March 2, 2026 and Treasury its rule for state-level issuers on April 3, 2026; final rules are due by July 18, 2026'; CLARITY's 'motion to proceed was filed on August 8, 2026'; YC RFS Fall 2026 'AI-Native Compliance Infrastructure'; MarkIt (yc F25, 2025) 'Workspaces for cross-border regulatory work' and Notabene, Inc.'s $11M Form D on July 30, 2026 show money moving into adjacent compliance tooling.
Merchant readiness for agent traffic
Catalogs, inventory, pricing and policies exposed to agents; measuring and attributing agent-driven orders; agent-traffic fraud and abuse; storefront changes that win agent recommendations.
UCP
Feedstone
An agent that builds and maintains your UCP and ACP catalog endpoints
Feedstone is a service agent that takes a merchant's existing product data from their PIM, ERP or platform export and generates the live catalog, cart and policy endpoints that UCP and ACP expect, then keeps them in sync as SKUs, prices and stock change.
grounded in Google announced the Universal Commerce Protocol on January 11, 2026 with Shopify, Etsy, Wayfair, Target and Walmart; Stripe's Agentic Commerce Suite (2026) is used by Squarespace, Wix, WooCommerce and BigCommerce; YC RFS Fall 2026 'Self-Maintaining APIs'.
Stripe
Tracelight
Attribution and revenue reporting for orders placed by AI agents
Tracelight ties each incoming order to the agent surface that produced it by reading Shared Payment Token metadata, Visa agent identity headers and UCP loyalty identity, then reports agent-driven revenue, margin and repeat rate by channel.
grounded in Shopify reported orders from AI search up nearly 13x in Q1 2026; Stripe packaged ACP as the Agentic Commerce Suite in 2026, used by Coach, URBN, Revolve and Etsy; Visa's Trusted Agent Protocol (September 2025) issues a verified agent identity plus an issuer-signed consent record.
Visa and Mastercard agent rails
Gatewick
The traffic gate that tells buying agents from scraping bots
Gatewick sits in front of a merchant's storefront and protocol endpoints and classifies every automated request: verified agents with a Visa TAP identity or UCP credential get fast lanes and negotiated rate limits, unverified scrapers get throttled or blocked.
grounded in Visa's Trusted Agent Protocol (September 2025), which became Visa Intelligent Commerce in 2026; YC RFS Fall 2026 'Proving You're Human'; Kazimi raised €2.2M in pre-seed funding on 2026-08-24 to detect and mitigate bot activity in mobile marketing.
Visa and Mastercard agent rails
Clausemark
Publish return, shipping and warranty policies agents can read and bind to
Clausemark turns a merchant's human-readable policies into structured, versioned endpoints that agents query before checkout: return windows, restocking fees, shipping cutoffs, price-match terms.
grounded in Mastercard Agent Pay (April 2025) with its consent policy binding; UCP covering carts, live catalog queries and loyalty identity by March 2026; Stripe's Shared Payment Token scoped to one merchant, one amount and a short expiry (ACP, 2025).
Visa and Mastercard agent rails
Counterproof
Chargeback evidence built from agent consent records and scoped tokens
Counterproof assembles dispute representment packages for agent-placed orders by pulling the issuer-signed consent record, the token scope, the policy version and the agent identity into the evidence format each network expects.
grounded in Visa's Trusted Agent Protocol (September 2025); Mastercard Agent Pay (April 2025); both networks joined Google's AP2 protocol in September 2025; keyword coverage shows 'chargeback' at 1 company in the last two years against 31 for 'fraud'.
UCP
Stockproof
Real-time inventory and price truth for agent catalog queries
Stockproof is a low-latency cache between a merchant's inventory systems and their agent-facing endpoints that guarantees an agent never sees a price or stock level older than a set threshold, and reserves units the moment an agent carts them.
grounded in UCP covering carts and live catalog queries by March 2026, co-developed with Shopify, Etsy, Wayfair, Target and Walmart; Shopify AI-driven traffic up 8x in Q1 2026; Stripe's Shared Payment Token scoped to one amount and a short expiry (ACP, 2025), which fails if the price moved.
Machine-to-machine and B2B payments
Agents paying services and each other (MPP, x402-style pay-per-call), invoices negotiated and settled between company agents, procurement agents with budgets, metering and clearing for AI usage.
Mastercard Agent Pay and Visa's Trusted Agent Protocol
Spendfence
Budgets, scoped tokens and approval policy for every agent a company runs
A control plane where finance teams issue each internal agent a budget, a merchant scope and an approval policy, then mint network-scoped tokens against those rules.
grounded in Mastercard Agent Pay (April 2025) and Visa's Trusted Agent Protocol (September 2025), which in 2026 became Visa Intelligent Commerce with a single integration, Intelligent Commerce Connect.
Stablecoin rails under GENIUS and Tempo's Machine Payments Protocol
Netform
Netting and clearing for millions of tiny machine-to-machine payments
A clearing layer for platforms whose agents make thousands of pay-per-call payments a day: it aggregates micro-obligations between counterparties, nets them, settles the residual on stablecoin rails on a schedule, and emits journal-ready entries.
grounded in Stablecoin payment volume reached about $390 billion in 2025, more than double 2024, with B2B payments around $226 billion (OpenFX report, 2026).
Stablecoin rails under GENIUS
Covenor
Your AP agent negotiates terms and settles invoices with their AR agent
Paired accounts-payable and accounts-receivable agents for mid-size businesses that negotiate discounts, payment dates and partial settlements with each other inside policy bounds set by each CFO, then settle over stablecoin or ACH.
grounded in The GENIUS Act was signed July 18, 2025, with OCC and Treasury implementing rules proposed March 2, 2026 and April 3, 2026.
Stablecoin rails under GENIUS and MiCA
Floatworks
Treasury operations for the stablecoin float that funds agent budgets
Software for finance teams that fund fleets of paying agents: it provisions per-agent stablecoin balances, sweeps idle float back nightly, keeps dollar and euro balances inside GENIUS and MiCA-compliant issuers, and produces the reserve and rewards documentation auditors will ask for.
grounded in GENIUS Act signed July 18, 2025; OCC proposed rule March 2, 2026, Treasury rule April 3, 2026, final rules due July 18, 2026.
Agent checkout protocols end to end
Recourse Labs
Dispute and refund rails for payments agents make on their own
An API that PSPs and commerce platforms plug in to handle what happens after an agent purchase goes wrong: it assembles the scoped token, consent record and delivery evidence into a machine-readable case file, routes refunds without a human filing anything, and gives issuers a consistent liability trail for agent-initiated transactions.
grounded in Stripe's ACP (2025, Meta joined later) with Shared Payment Tokens, packaged in 2026 as the Agentic Commerce Suite used by Coach, URBN, Revolve, Etsy, Squarespace, Wix, WooCommerce and BigCommerce.
Compliance and regtech for the new rulebook
Licensing, AML/KYC and sanctions screening for stablecoin issuers, PSPs and agent platforms under GENIUS, CLARITY and MiCA; audit trails, examiner-ready evidence, travel-rule data for agent-initiated transfers.
GENIUS Act rules in draft
Charterline
Licensing and exam readiness software for stablecoin issuers under the GENIUS Act
A workspace that turns the OCC and Treasury implementing rules into a live checklist, maps each requirement to the issuer's actual policies and reserves data, and assembles the application and examiner file.
grounded in GENIUS Act signed July 18, 2025; OCC proposed implementing rule published March 2, 2026; Treasury rule for state-level issuers April 3, 2026; final rules due July 18, 2026 with the Act effective the earlier of January 18, 2027 or 120 days after final rules.
Stablecoin rails under GENIUS/MiCA
Relayproof
Travel rule data for stablecoin transfers that an agent initiated
An API that attaches originator and beneficiary records to agent-initiated stablecoin transfers, binding the agent's identity, its consent scope and the owner's KYC record to each payment.
grounded in Tempo launched its mainnet and the Machine Payments Protocol in March 2026; stablecoin payment volume reached about $390 billion in 2025, with B2B around $226 billion; Notabene, Inc.
Stripe
Sievewire
Sanctions and AML screening built for machine-speed agent payments
An inline screening API that clears counterparties in milliseconds so agents paying per call over stablecoin rails never touch a sanctioned address.
grounded in Tempo's Machine Payments Protocol launched March 2026; stablecoin payments hit about $390 billion in 2025; MouseCat (yc W26, 'AI to fight financial crime') and Socratix AI (yc S25) show funded demand for financial-crime tooling, but both target human case work; YC's Fall 2026 RFS 'AI-Native Compliance Infrastructure'.
Agent checkout protocols (ACP
Attestly
One evidence vault for agent checkout consent records and scoped tokens
Software that captures the consent artifacts each agent checkout protocol emits, such as Shared Payment Token scopes, Visa's issuer-signed consent records and Mastercard Agentic Token bindings, and stores them as one dispute-ready and examiner-ready record per order.
grounded in Visa's Trusted Agent Protocol (September 2025) issues an issuer-signed consent record; Mastercard Agent Pay (April 2025) binds an Agentic Token to one agent, one merchant scope and one consent policy; Stripe's Agentic Commerce Suite in 2026 is used by Coach, URBN, Revolve, Etsy, Squarespace, Wix, WooCommerce and BigCommerce; Shopify reported orders from AI search up nearly 13x in Q1 2026.
GENIUS Act rules in draft
Amlet
AML program operations run by agents for seed-stage stablecoin PSPs
An agent service that runs the AML program a young stablecoin PSP must show under the GENIUS rulebook: transaction monitoring triage, alert disposition with documented rationale, SAR drafting for human sign-off, and an always-current program manual mapped to the rule text.
grounded in OCC proposed rule March 2, 2026 and Treasury state-level rule April 3, 2026 with final rules due July 18, 2026; the briefs show 14 companies mentioning 'stablecoin' in the last two years, including Karsa, Infinite, BlindPay and SpotPay from 2025-2026 YC batches; 'compliance copilot' emerged in 2025 with 3 companies; YC's Fall 2026 RFS 'AI-Native Compliance Infrastructure'.
CLARITY market-structure rules
Yieldgate
Proof that stablecoin rewards are activity linked, not prohibited interest
A rules engine that sits on an issuer's or platform's reward program, tags every payout to the qualifying activity that earned it, blocks payouts that look like interest on idle balances, and produces the examiner report showing the program complies.
grounded in The CLARITY Act cleared the Senate Banking Committee on May 14, 2026 and the motion to proceed was filed August 8, 2026; the brief flags stablecoin yield as an open point, with the January 2026 draft banning interest for merely holding a balance while allowing activity-linked rewards.
From the catalog
64 ideas from Fintech, Commerce and marketplaces, Agent infrastructure, Security and compliance that pass the collection's filter, 35 of them venture-grade, sorted by Idea Score. A deck focused on this collection deals exactly these.
B2B, security and compliance · Security and compliance
Humanrail
A licensed personhood and KYC API any small merchant can turn on in an afternoon.
Humanrail is an API that answers two questions for small online businesses: is this a real, unique human, and does this customer clear the anti-money-laundering checks the merchant is legally on the hook for.
B2B, security and compliance · Security and compliance
Ironhull
Compliant-by-construction cloud: inherit certification instead of earning it.
Ironhull runs its own hardened infrastructure - dedicated enclaves, HSMs, locked-down images, continuous monitoring - certified once against FedRAMP, SOC 2, and PCI, and sells it as a subscription on which enterprise software vendors deploy and inherit the compliance posture.
B2B, security and compliance · Security and compliance
Sentinet
Shared-defense agent for small firms: one member's confirmed fraud warns the whole network.
Sentinet connects in an afternoon to an SMB's mailbox, accounting system and bank feed, and runs an agent that screens invoices, vendor bank-detail changes and unusual logins.
AI and software · Agent infrastructure
Latchwork
Self-healing connectors for the long tail of small business software agents cannot reach.
Latchwork records a session against a vertical tool that has no usable API - a dental scheduler, a salon booking system, a freight dispatch app - and turns it into a connector that agents call like an API, then repairs itself when the vendor changes a screen.
Fintech · Fintech
Axlemark
Plug-in driving score for small fleets that every carrier prices from.
Axlemark ships a plug-in telematics device to US small commercial fleets of three to fifty vehicles (contractors, HVAC, landscaping, last-mile) and turns their driving data into a portable risk score the fleet owner controls and can hand to any insurer at renewal.
B2B, security and compliance · Security and compliance
Personaproof
A licensed proof-of-human agent that vouches for you online without exposing your identity.
Consumers enroll once through a partner bank branch, carrier store or notary, where a hardware-attested biometric capture binds them to a single personhood credential held in Personaproof's own HSM estate.
Fintech · Fintech
Tollgate
A rack appliance that holds the spending keys for every AI agent an enterprise runs.
Tollgate is a hardware root of trust that sits in an enterprise's own data center or colo and signs every payment mandate an autonomous agent issues, enforcing per-agent limits, merchant allowlists and human approval thresholds in silicon rather than in a prompt.
B2B, security and compliance · Security and compliance
Accredix
An accredited AI assessor and enclave that makes federal-grade compliance 10x cheaper.
Accredix is an AI agent service that takes an enterprise through FedRAMP, CMMC, and StateRAMP authorization and then keeps it continuously compliant, running on Accredix's own authorized hosting enclaves.
B2B, security and compliance · Security and compliance
Advoq
An AI legal agent that runs consumer disputes end to end at one tenth the cost.
Advoq is a self-serve AI agent that handles the legal matters ordinary people currently abandon or overpay for: landlord disputes, insurance claim denials, debt collection defense, small-claims filings.
B2B, security and compliance · Security and compliance
Kinshield
A personal AI agent that screens every call and message for deepfakes and scams.
Kinshield is an AI agent that sits in front of a consumer's phone line and inbox, answering unknown calls, detecting cloned voices and scam scripts in real time, and briefing the user before they ever pick up.
B2B, security and compliance · Security and compliance
Vouchline
One AI agent answers your security questionnaires and reviews the ones you send.
Vouchline is an agent that sits on both sides of the vendor security review: for a small supplier it reads the buyer's questionnaire, pulls evidence from Drive, ticketing and cloud consoles, and returns a completed response in a day; for the buyer it reads incoming responses and flags the answers that contradict prior filings.
Fintech · Fintech
Kinwire
Embedded stablecoin payout API for US small businesses paying overseas contractors.
Kinwire is a drop-in API and no-code widget that vertical SaaS products embed so their US small business customers can pay overseas contractors in minutes: dollars in from an ACH pull, stablecoin settlement across borders, local currency out through licensed partners.
AI and software · Agent infrastructure
Opsbox
A countertop appliance that gives every small business a local AI staff member.
Opsbox sells a small appliance that plugs into an SMB's phone line, cameras, and point of sale, and runs agents locally: it answers every call, takes orders and bookings, flags shrink and stockouts from the camera feeds, and files the day's numbers.
Fintech · Fintech
AgentLedger
The control plane where small businesses give AI agents money, limits and receipts.
AgentLedger is a subscription platform where a small business connects every AI agent it uses - procurement bots, ad-buying agents, booking assistants - and sets budgets, approval rules and merchant restrictions in a no-code dashboard, with every agent transaction reconciled back to its accounting system.
B2B, security and compliance · Security and compliance
Recoursely
An agent that fights your fraud disputes, distributed through credit unions and employers.
Recoursely is a consumer subscription where an AI agent files and pursues the regulated paperwork after a scam or identity theft: Regulation E disputes with the bank, FCRA disputes with the bureaus, police reports, creditor freezes and follow-up until the money comes back or the case closes.
B2B, security and compliance · Security and compliance
Flagline
Shared fraud and AML signal network for community banks and credit unions.
Flagline is a subscription screening layer that plugs into a community financial institution's core-system exports through no-code connectors, checks every new account and transaction against a live watchlist pooled from all member institutions, and produces SAR-ready case files.
AI and software · Agent infrastructure
Civitrace
Casework agents for US agencies that turn every verified fact into reusable public evidence.
Civitrace runs eligibility and permit casework as a managed agent service for US state, county and city agencies: it reads submitted documents, checks them against source systems, drafts determinations, and hands a human caseworker a decision packet with citations.
B2B, security and compliance · Security and compliance
Attestral
Agents that prove and verify vendor security continuously, replacing the questionnaire.
Attestral deploys agents inside an enterprise's stack that collect live control evidence and answer any customer's security review automatically; on the buying side, its agents interrogate a vendor's agents and check every claim against machine-readable evidence rather than prose.
Fintech · Fintech
Ostend
An API giving small exporters local receiving accounts abroad at a tenth of bank cost.
Ostend is a licensed collections API: vertical software platforms embed it so their small business customers get named local receiving accounts in two dozen countries, with funds swept and converted on stablecoin rails and paid out to the home bank account the next morning.
Fintech · Fintech
Zerotill
A countertop terminal that drops card acceptance fees from 3 percent to 0.3.
A payment terminal for US small merchants that accepts pay-by-bank and stablecoin payments alongside cards, routing every transaction to the cheapest rail and cutting acceptance cost roughly 10x on non-card volume.
B2B, security and compliance · Security and compliance
Recourse
An AI agent that claws back your money and identity after fraud.
Consumers hit by scams, identity theft, or bad data pay a subscription for an agent that acts as their authorized representative: it files chargebacks, FCRA credit disputes, identity theft affidavits, data-broker deletions, and GDPR erasure requests across jurisdictions, then tracks each case to resolution.
Fintech · Fintech
Fiscari
A licensed AI tax agent that files small business returns in thirty countries.
Fiscari is an AI agent that holds registered tax agent status in each country it operates in and files indirect tax, payroll tax and annual returns of record for small businesses, with a licensed human reviewer signing off on flagged filings.
Fintech · Fintech
Duebridge
Your collections agent settles invoices by negotiating with your customer's agent.
Duebridge gives a small business an AI agent that chases its unpaid invoices, and gives the customer a free counterpart agent that verifies the invoice against its own ledger, flags disputes and proposes a payment date.
Fintech · Fintech
Bookzero
Software that closes a small company's books for a tenth of a bookkeeper's price.
Bookzero is self-serve subscription software that connects to a small business's bank feeds, invoices and payroll and produces a finished monthly close - categorized ledger, reconciliations, financial statements - for roughly $100 a month against the $800-1,500 SMBs pay outsourced bookkeepers.
AI and software · Agent infrastructure
Certloop
Accredited hardware-in-the-loop cloud that certifies agent policies before they touch real machines.
Certloop builds racks of real PLCs, drives, sensors, and robot actuators wired into a cloud API; enterprise robotics and industrial teams upload agent policies and run them against physical hardware and vendor-published digital twins before deployment.
Fintech · Fintech
Fiscora
Machine learning that stops improper government payments before the money moves.
Fiscora is a payment-integrity platform for state and local government: deep entity-resolution and anomaly-detection models screen benefit disbursements, tax refunds, and vendor payments before funds are released, replacing after-the-fact audit with pre-payment interdiction.
B2B, security and compliance · Security and compliance
Codewarden
Continuous security for the AI-written software small businesses now run on.
Codewarden is a self-serve subscription platform that continuously scans, exploits and patches the AI-generated applications small businesses now build and deploy without security staff.
AI and software · Agent infrastructure
Actledger
Signed action records for enterprise agents, with a policy pack ecosystem on top.
Actledger sits between an enterprise's agents and the systems they touch: every tool call is authorized against policy, signed, and written to an immutable action record mapped to audit controls.
Consumer and commerce · Commerce and marketplaces
Verolane
Shared supplier verification network for importers facing forced-labor enforcement.
Verolane is an enterprise subscription that maps an importer's tier-2 and tier-3 suppliers, scores each site against forced-labor and illegal-fishing enforcement criteria, and produces the evidence file customs authorities ask for when a shipment is detained.
Consumer and commerce · Commerce and marketplaces
DutyRail
Landed-cost and customs-entry API that 3PLs and ERPs resell to small importers.
DutyRail is an API that takes a purchase order or a product feed and returns an HS classification, duty and tariff-schedule exposure, a landed cost, and a filed customs entry through its own licensed broker desk.
Fintech · Fintech
Attestry
The global registry that stops government payments to impostor suppliers.
Attestry is a shared registry of verified government suppliers and their real bank accounts: before a treasury or municipality releases a payment, its ERP checks the payee against the registry through a no-code integration.
Fintech · Fintech
Lexrail
The licensed compliance layer any small platform builds stablecoin payouts on.
Lexrail is an API that lets small vertical SaaS companies, marketplaces and exporters send cross-border stablecoin payouts under Lexrail's own money transmitter and VASP licenses, so they never apply for one themselves.
AI and software · Agent infrastructure
Toolharbor
The governed registry every enterprise agent must pass through to touch a tool.
Toolharbor is a control plane that sits between an enterprise's AI agents and every tool, API, and MCP server they call, enforcing policy, credentials, and rate limits per agent.
AI and software · Agent infrastructure
Portico
Agents that work state legacy systems through their own screens, priced per case cleared.
Portico runs computer-use agents that log into the mainframe terminals, county portals and 1990s case management systems that state agencies still process benefits, permits and licences in, and complete the transaction the way a clerk would.
AI and software · Agent infrastructure
Openstall
No-code layer that makes every small business readable and transactable for AI agents.
An SMB connects its booking, inventory, and payment tools (Shopify, Square, Calendly, QuickBooks) in a no-code dashboard, and Openstall publishes them as one hosted, self-maintaining endpoint that any AI agent can query and transact against.
Fintech · Fintech
Bookform
A foundation model of the limit order book, licensed to funds as a simulator.
Bookform trains a sequence model on full-depth order book messages across US equities, futures and options venues, so a fund can ask what happens to the book if it works a 400,000 share order over two hours in a given regime, and get a distribution instead of a backtest.
Fintech · Fintech
Treska
A licensed autonomous treasurer that runs enterprise cross-border money on stablecoin rails.
Treska is a regulated e-money institution whose AI agents run corporate treasury end to end: forecasting cash across subsidiaries, choosing routes between bank rails and stablecoin rails, executing FX and settlement, and producing the audit trail.
Fintech · Fintech
Marginframe
A colocated appliance that nets margin across prediction, perp and equity venues in microseconds.
Marginframe sells a 1U FPGA appliance plus support contract to brokers and venues that carry positions on more than one execution venue.
Fintech · Fintech
Countersign
Spend controls and audit trail for every dollar an enterprise's AI agents move.
Countersign sits between a company's agents and whatever rails they spend on - issued cards, wallets, stablecoin accounts - enforcing per-agent budgets, merchant allowlists and human approval thresholds before authorization, then reconciling each settled charge back to the agent run and prompt that caused it.
B2B, security and compliance · Security and compliance
Complio
An accredited AI compliance officer for small regulated firms, on in-country confidential compute.
Complio runs an AI agent that does the recurring compliance work of small regulated businesses (introducing brokers, clinics, insurance agents, local payment firms): monitoring transactions and records, drafting filings, assembling evidence packs and answering examiner requests.
B2B, security and compliance · Security and compliance
Certiva
Accredited AI conformity assessment sold as a continuous enterprise subscription.
Certiva builds a certification scheme for enterprise AI systems and gets itself accredited as the assessment body that issues the certificate, then sells enterprises a subscription that keeps the certificate live.
AI and software · Agent infrastructure
Mnemora
A private memory layer that follows you across every AI app.
Mnemora is a consumer subscription that builds one persistent, user-owned memory from everything you tell any AI assistant, then serves it back to ChatGPT, Claude, and every agent app through a standard connector.
B2B, security and compliance · Security and compliance
Ironvane
Autonomous security operations agents that managed service providers resell and extend.
Ironvane gives managed service providers a runtime where security agents triage alerts, patch endpoints, revoke credentials and close tickets across their whole book of small business clients, with the provider approving actions rather than performing them.
Fintech · Fintech
Creditome
The foundation model for small-business credit, sold as underwriting software.
Creditome trains a transaction-native foundation model on bank, payments and accounting data, then sells a self-serve SaaS underwriting workbench to small lenders, credit unions and fintech lenders worldwide.
Fintech · Fintech
Underwatt
Underwriting software that prices AI data center risk from live power and thermal telemetry.
Underwatt sells a subscription platform to carriers, MGAs and reinsurers that prices property, business-interruption and outage risk on GPU data centers using a telemetry fleet Underwatt installs itself: power quality recorders, thermal and coolant sensors, and grid interconnect feeds at the insured sites.
Fintech · Fintech
Payname
A global directory that turns a business tax ID into verified payout instructions any software can call.
Payname is an API and no-code directory where a small business claims its legal identity once and publishes how it wants to be paid: bank rails per country, stablecoin addresses per chain, invoice formats and the proofs behind each.
Fintech · Fintech
Sigilbox
Rack appliance that hardware-signs every payment an AI agent tries to make.
Sigilbox is a co-signing appliance installed in the datacenter of any company running AI agents that spend money: each agent payment instruction must be signed by keys held in the box, which applies spend policy and an on-device behavioural model before emitting a portable attestation.
Fintech · Fintech
Bookforge
The no-code platform where accountants build finance agents for every SMB client.
A subscription platform where accounting and bookkeeping firms assemble no-code agent workflows for monthly close, transaction categorization, AP and cash reporting, then deploy them across their whole SMB client roster; each small business pays a monthly seat on top of its QuickBooks and bank connections.
Consumer and commerce · Commerce and marketplaces
Originary
An API that computes duty, origin and eligibility for any product on any lane.
Originary compiles customs tariff schedules, binding rulings, rules-of-origin texts and trade-remedy orders from every major customs regime into one executable rule engine, then exposes it as a self-serve API that returns a landed cost and an origin determination with the citation chain behind it.
Fintech · Fintech
Subrix
AI agents that settle claims between insurance carriers on one shared network.
Subrix runs autonomous agents that handle subrogation - the process where one insurer recovers claim costs from another at-fault party's insurer.
Fintech · Fintech
Keyfort
Custody hardware nodes that cut key management costs 10x and settle instantly.
Keyfort sells a rack-mount signing node built from commodity secure elements that holds threshold key shares for institutional digital asset and stablecoin custody at roughly a tenth of the cost of a legacy hardware security module deployment.
Consumer and commerce · Commerce and marketplaces
Dockmeter
Camera and lidar gate racks that price every truck move at freight terminals.
Dockmeter installs its own edge racks (stereo cameras, lidar, on-site compute) at transload yards, cross-docks and port gates, then sells terminal operators and large 3PLs a per-site annual subscription that turns every gate event into an audited record: dimensions, weight class, damage state, seal integrity, dwell start and stop.
Fintech · Fintech
Fiscala
A cross-border invoice-matching network where AI agents recover lost VAT for governments.
Fiscala deploys AI agents inside tax authorities that reconcile invoice-level e-invoicing data across borders to detect missing-trader and carousel VAT fraud, and is paid a share of recovered revenue.
Fintech · Fintech
Helmsman
A subscription AI that runs your money end to end, registered as an advisor.
Helmsman is a flat-fee consumer subscription: an RIA-registered autonomous agent that moves idle cash to yield, refinances debt when rates move, cancels and renegotiates recurring charges, and rebalances across a user's linked accounts without being asked.
Fintech · Fintech
Covenly
A licensed AI insurance agent every consumer app can embed.
Covenly builds a licensed AI insurance agent for consumers that continuously re-shops home and auto coverage, switches carriers when a better policy exists, and handles claims paperwork, earning standard producer commissions.
Fintech · Fintech
Tollbridge
The authorization layer banks use to let AI agents spend money safely.
Enterprise SaaS sold to US card issuers and issuer processors that adds an agent-payments control plane: banks define spend policies, verify which AI agent is transacting on whose mandate, and score every agent-initiated authorization in real time.
Consumer and commerce · Commerce and marketplaces
Ordwire
Turns any supplier's ERP into an endpoint AI purchasing agents can order from.
Ordwire is a no-code integration layer that exposes an enterprise distributor's catalog, contract pricing, stock and purchase-order intake as a standardized machine-readable endpoint for AI buying agents.
Consumer and commerce · Commerce and marketplaces
Provenor
Machine learning that proves where every imported good actually came from.
Provenor sells enterprise import and sourcing teams a subscription platform that traces the true origin of goods through transshipment: entity-resolution ML over global trade filings, vessel AIS tracks, and corporate registries flags when a shipment labeled Vietnamese was actually laundered through a third country.
Consumer and commerce · Commerce and marketplaces
Netback
An agent that recovers the money your supply chain quietly loses every week.
Netback connects read-only to a shipper's TMS, ERP and carrier portals and runs an agent that finds recoverable leakage: freight damage and shortage claims, detention and accessorial overbilling, retailer deductions, supplier short-ships.
Consumer and commerce · Commerce and marketplaces
Bondwright
Licensed customs broker built as software, so small importers file their own entries.
Bondwright holds the customs broker license, the national permit and the continuous bond itself, and exposes entry filing to small importers as a product: classify goods, price duty, file the entry, hold the bond, manage post-entry corrections and drawback claims.
Consumer and commerce · Commerce and marketplaces
Revern
An API-first network of robotic facilities that processes retail returns for a tenth of the cost.
Revern gives enterprise retailers a self-serve API: send a returned item to the nearest Revern hub, where computer vision and robotic handling inspect, grade, re-box and route it to restock, recommerce or recycling, priced per item.
Consumer and commerce · Commerce and marketplaces
Aftergate
An agent that resells your tickets everywhere for two percent, not twenty-five.
Aftergate is a self-serve agent for consumers holding tickets they cannot use: it reads the ticket, prices it against live supply across every resale venue and the primary seller, lists it in all of them at once, pulls listings when one sells, handles the transfer rules of the specific venue and pays out.
Consumer and commerce · Commerce and marketplaces
Shelfwire
One API that makes any small store's catalog readable by AI shopping agents.
Shelfwire ingests a merchant's product catalog, inventory and policies once and serves a hosted, always-current machine endpoint per store: structured product data, availability, shipping and returns terms, and checkout handoff, in the formats AI shopping assistants and marketplace crawlers consume.
Consumer and commerce · Commerce and marketplaces
Lotwise
Buying network and live price index for independent US pharmacies.
Lotwise gives independent pharmacies a free inbox that ingests their serialized inbound shipment data and wholesaler invoices, reconciles what they actually paid per drug per lot, and shows them what comparable pharmacies in the network paid for the same item that week.