New startup ideas · Money rails for agentic commerce · Compliance and regtech for the new rulebook
startup concept
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.
- Software subscription
- Small business
- Agent checkout protocols (ACP
1
similar startups, last 2 years (3 all-time)
yes
7 matching federal grants and programs
Direction supported by government programs and grants
Test it before you build it
$700 · 4 weeks · 20 prospects
Prove that merchants losing agent-order chargebacks will prepay $199 a month for consent-evidence packets, for $700 in 4 weeks.
Riskiest assumption · Mid-size merchants are already losing agent-order chargebacks in numbers their ops manager can count, and will pay monthly now for consent-evidence packets rather than wait for Stripe or the card networks to ship retention and dispute packets natively.
1Focus group: who and where
The chargeback or payments operations manager, or the owner wearing that hat, at a $5M-100M per year US ecommerce merchant on Shopify or a major PSP who has watched ChatGPT and Perplexity checkout orders appear this year and has lost at least one dispute with no way to show who authorized the purchase.
where to find 20 · The Merchant Risk Council community and its US fall events; the Shopify Community payments and chargebacks boards; the review sections of Chargeflow and Justt on the Shopify App Store, where merchants describe the disputes those tools failed to win; eCommerceFuel, the paid community of seven-figure store owners.
2Sell first, build later
A founding slot starting October 5, 2026: for every agent-order dispute, we pull the token scope, the issuer-signed consent record and the agentic token binding for that order and deliver one representment packet within 48 hours, up to 10 disputes in the first month, with the founding price locked for 12 months.
the ask · $199 per month founding price, first month prepaid; planned list price $349 per month
a real yes · A real yes is $199 prepaid on a card with a named October start. 'We would try this on our next dispute', requests for a free sample packet, and unpaid trials do not count.
3Small experiments
The first one attacks the riskiest assumption; each ends with a number that says whether to run the next.
1. Agent-dispute count interviews
$150 · 10 days
One founder recruits 15 chargeback managers through MRC, the Shopify Community boards and eCommerceFuel for 20-minute calls. Ask for numbers: agent orders per month, agent-order disputes in the last 90 days, the win rate on them versus normal disputes, and what evidence they submitted. Record the counts, not the opinions.
keep going if · 8 of 15 report at least one agent-order dispute in the last 90 days and could not produce any consent evidence for it
2. Hand-built packet walkthrough
$250 · 7 days
Using the published Shared Payment Token and issuer consent-record formats, hand-assemble one representment packet for a real dispute volunteered by an interviewed merchant, mapping token scope and consent record to the card networks' compelling-evidence fields. Show the finished packet to 10 of the interviewees and ask whether they would submit it as-is.
keep going if · 6 of 10 say they would submit the packet as-is and ask what it costs
3. Founding cohort prepay
$300 · 12 days
Offer all 20 prospects a founding slot: packets for up to 10 agent-order disputes in month one, each delivered within 48 hours of the dispute, $199 prepaid. The two founders assemble the first cohort's packets by hand - the deliverable is a document, so no code is needed to fulfill what was sold. Close on follow-up calls, not by email.
keep going if · 6 of 20 prepay the $199 first month
4Collect a deposit up front
Tesla took $1,000 refundable reservations for the Model 3 and $100 for the Cybertruck before building either: the deposit is the measurement, not the revenue.
$199
per prospect, refundable
how · The first month prepaid by card at checkout on the offer page - the standard instrument for a small-business SaaS buyer who already pays for Shopify apps by card - with a receipt stating the cohort start date and the locked price; the ops manager or owner authorizes the charge, no signature beyond checkout needed. set up: Stripe Checkout ↗
what it reserves · One of 10 founding slots starting October 5, 2026, packets for up to 10 agent-order disputes in month one, and the $199 per month price locked for 12 months against a $349 list price
refund · Refunded in full if the first packet misses the 48-hour delivery window, and cancelable for a full refund any time during the first month.
target · 6 prepaid founding slots from 20 conversations within 28 days
Go: build it if
8 of 15 managers report agent-order disputes they cannot evidence, 6 of 10 would submit the hand-built packet as-is, and 6 prepay $199 - build the vault for the October cohort.
Kill: stop if
Fewer than 4 of 15 have seen a single agent-order dispute yet - the market is too early - or fewer than 3 prepay after 15 offers, which means merchants will wait for Stripe or the networks to bundle this.
5 Scripts to run itoutreach message, landing copy, deposit terms · click to open
outreach message
You are seeing orders arrive from ChatGPT and Perplexity checkouts, and when one turns into a chargeback there is no signature, no session replay, nothing showing who authorized the purchase. The evidence exists - the token scope and the issuer-signed consent record the checkout protocol emitted - it is just scattered across systems. I assemble it into one representment packet per dispute, delivered within 48 hours: $199 prepaid for your first month, up to 10 disputes. Can I show you a finished packet on a 20-minute call this week?
landing page
Win agent-order chargebacks with the consent record you already have $199 prepaid first month: representment packets for up to 10 agent-order disputes, each delivered within 48 hours, founding price locked for 12 months Reserve one of 10 founding slots - cohort starts October 5
deposit terms
Your $199 prepays the first month and reserves one of 10 founding slots starting October 5, 2026: representment packets assembled from your token scopes and consent records for up to 10 agent-order disputes, at $199 per month locked for 12 months against a $349 list price. If your first packet misses the 48-hour delivery window, we refund in full. You can also cancel any time in the first month for a full refund.
Would you run this test?
One tap. The yes-share feeds the Demand pillar of this idea's score; nobody sees who answered.
Budgets are out-of-pocket estimates for a team of one to three, US market. Size the deposit to the deal, and check the terms before taking money in a regulated line.
Scorecard
Ranked against every idea in the catalog: trend, demand and 100x potential from the corpus, competition relative to the other ideas. A generated concept has no judges or swipes yet, so its pillars use the data signals only.
18
Idea Score, 0-100 · raw 11.0 x 1.64
Warm
competition: more crowded than 32% of ideas · headwind x0.84
+2.7
government priorities, secondary (7 matching grants)
Trend
35
Is the wave forming now? 2025-26 entrants vs 2023-24, rounds since 2025, the sector's live-batch direction, the 2026 trend analyst.
- Entrants 2025-26 vs 2023-24 (similar companies)21
- Rounds announced 2025+ in the sector33
- Sector direction (live batch)50
Demand
28
Does anyone want it? YC's current RFS, companies already paid for something similar, the operator judge, founders' yes-rate in decks, readers who would run the test.
- YC asks for it (current RFS: idea / sector)30
- Someone already pays (similar companies, recent / all-time)25
100x potential
1
Can it return a fund? The venture judge (double weight), market-size and moat axes, neighbours still alive, the technologist judge.
- Neighbours still alive1
Score = 100 x cbrt(Trend x Demand x 100x) x (1 - 0.5 x crowding) + government bonus (max 5), calibrated so the 95th-percentile idea scores 90 (order never changes). A geometric mean: a weak pillar cannot be papered over. Percentiles are among the 382 ideas in the catalog; the terms matched were evidence, vault, checkout, consent, records, scoped, captures, artifacts.
The concept in full
- What
- 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. Sold to merchants and PSPs taking agent orders.
- Grounded in (2025-2026 signals)
- 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.
- What it rides
- Agent checkout protocols (ACP, UCP, Visa TAP, Mastercard Agent Pay): each defines its own consent artifact, and Attestly is the layer that normalizes and retains them.
- Why now
- Orders from AI search grew nearly 13x year over year in Q1 2026 on Shopify alone, so agent-order disputes are arriving now, and the keyword data shows only one 2025-2026 company even mentions chargebacks; the consent artifacts exist as of 2025-2026 but nothing assembles them per order.
- Wedge: first customer and entry point
- Mid-size merchants on the Agentic Commerce Suite platforms: start with chargeback representment packets built automatically from token scope plus consent record, then extend the same vault to regulator requests.
- Closest real companies, as the generator saw them
- Didit (infrastructure for identity and fraud) does onboarding identity, and Incandor does behavioral anti-fraud signals; neither retains protocol consent artifacts as dispute and exam evidence.
- Main risk
- Stripe or the card networks ship consent-record retention and dispute packets as a native feature of their agent suites.
Similar startups in the directory
Companies whose pitch matches most of the concept's terms (evidence, vault, checkout, consent, records, scoped, captures, artifacts).
voice-first hardware interface for human-agent interaction
AI For Litigation
Dynamic access controls for all data and databases
Public money in this direction
US federal grants and open opportunities matched to the concept's terms.
National Science Foundation · I-Corps · $50K
National Science Foundation · I-Corps · $50K
National Science Foundation · Robert Noyce Scholarship Pgm · $620K
National Science Foundation · CyberAICorps SFS · $500K
National Science Foundation · Info Integration & Informatics · $1M
National Science Foundation · Cybersecurity Innovation · $1M
National Science Foundation · Cybersecurity Innovation · $600K
Other concepts in this collection
- QuadrailOne endpoint that speaks ACP, UCP, AP2 and both card network agent protocols
- CartproofContinuous conformance testing for merchant agent checkout endpoints
- TokentraceReconciliation built around scoped payment tokens for PSPs handling agent orders
- CountersignDispute defense for agent purchases using issuer-signed consent records
- DutylineLanded cost inside the agent checkout response for cross-border orders
- ConsentryVerification gateway that tells merchants which agent orders to trust
- KeyfleetCredential lifecycle for every AI agent a company lets spend money
- MintgatePolicy engine deciding when an agent gets a scoped payment token
- TrailproofAn audit agent that reconstructs consent for every dollar your agents spent
- HoldpointHuman approvals that become signed consent records for agent purchases
- MeterlinePer-agent stablecoin allowances and kill switches for machine-to-machine payments
- VetgateOne decision point for banks verifying agent credentials across every rail
- AttestaChargeback evidence packets built from agent consent records
- ReversioRefund rails for purchases made with expired scoped tokens
- TallybridgeReconciles agent-originated orders against ERPs and the general ledger
- VerdiktIssuer-side triage for disputes on agent-initiated transactions
- RefluentRefund and reconciliation layer for stablecoin agent payments
- DutybackRecovers duties and tax when cross-border agent orders come back
- SpendfenceBudgets, scoped tokens and approval policy for every agent a company runs
- NetformNetting and clearing for millions of tiny machine-to-machine payments
- CovenorYour AP agent negotiates terms and settles invoices with their AR agent
- FloatworksTreasury operations for the stablecoin float that funds agent budgets
- Recourse LabsDispute and refund rails for payments agents make on their own
- CharterlineLicensing and exam readiness software for stablecoin issuers under the GENIUS Act
- RelayproofTravel rule data for stablecoin transfers that an agent initiated
- SievewireSanctions and AML screening built for machine-speed agent payments
- AmletAML program operations run by agents for seed-stage stablecoin PSPs
- YieldgateProof that stablecoin rewards are activity linked, not prohibited interest
- ClearquoteLanded cost inside the agent's checkout quote, duties and taxes priced before the token
- DrawpointAn agent that files duty refunds when cross-border agent orders come back
- PegwiseStablecoin settlement between the agent's currency and the merchant's, with locked FX
- DutygraphThe customs knowledge base agents query before buying across a border
- PortruleSpend policy for purchasing agents that buy from foreign suppliers
- AttestoRegulator-ready evidence for every cross-border stablecoin settlement an agent triggers
- ParflowRedemption operations API for stablecoin issuer programs
- StablebooksTreasury policy and reconciliation layer for companies holding stablecoins
- CorridorlinePayout orchestration across stablecoin rails with compliance evidence built in
- RegimarkAgent service that builds dual GENIUS and MiCA compliance evidence for issuers
- RewardrailCompliant activity-linked rewards engine for stablecoin issuers and platforms
- FeedstoneAn agent that builds and maintains your UCP and ACP catalog endpoints
- TracelightAttribution and revenue reporting for orders placed by AI agents
- GatewickThe traffic gate that tells buying agents from scraping bots
- ClausemarkPublish return, shipping and warranty policies agents can read and bind to
- CounterproofChargeback evidence built from agent consent records and scoped tokens
- StockproofReal-time inventory and price truth for agent catalog queries
Fictional concept generated 2026-08-26 by claude-fable-5 from the collection's brief and MarkosWeb data. Treat it as a research prompt, not a plan.