For Financial Services
Your AI can move money. We decide if it should. Sub-millisecond, PCI-aware, audit-grade.
These aren't hypothetical risks. They're architectural gaps that exist today in every major payment stack running AI agents.
An LLM agent with payment scope misinterprets a support ticket and initiates a $89,100 wire to a scammer's account. No existing IAM system catches this — the agent had valid credentials.
Every payment action by an agent is a regulatory event. Who approved it? Under what policy? At what time? Can you produce cryptographic proof 3 years later?
Traditional fraud systems operate in minutes. An agent can initiate hundreds of transfers in the same window. Post-hoc fraud detection isn't good enough anymore.
PermitNetworks sits inline between your AI agent and the payment rail. It adds < 2ms to the payment flow — below the threshold of any existing latency SLA.
Customer / CSR
initiates request
AI Agent
billing-agent-01
PermitNetworks
policy engine
Payment Rail
Visa / ACH / SWIFT
Policy evaluation
Audit log
Merkle-anchored · cryptographically verifiable · 7+ year retention
Built for the constraints of regulated payment systems, not adapted from general-purpose authorization tools.
Per-agent, per-minute, per-hour, per-day transaction limits. Configurable by amount AND count. Hot-reload without deployment.
Under $5K → auto-approve. $5K–$50K → manual review. Over $50K → dual approval. All configurable per agent role.
Block gambling, crypto, adult content, or any MCC code by agent or role. Declarative policy — no code changes required.
Export every decision with cryptographic proof in SAR, SWIFT MT, or ISO 20022 XML format. Auditor-ready in minutes.
For high-risk actions, require two separate agents (or agent + human) to co-sign with Ed25519 signatures before a permit is issued.
Integrate with existing fraud systems (Sift, Stripe Radar, Featurespace) — PermitNetworks calls them during the decision flow.
We mark what's live and what's in progress. No ambiguity.
| Standard | How we support it | Status |
|---|---|---|
| PCI-DSS | Tokenized payment data, no PAN stored | Aligned |
| PSD2 SCA | Strong customer authentication hooks | Supported |
| SOC 2 Type II | Annual audit, Merkle-verified logs | In progress (2026) |
| GDPR / KVKK | Data residency options, 72-hour breach notification | Compliant |
| SOX | Immutable audit trail, change management | Supported |
| Reg E / Reg Z | Transaction logging for disputes | Supported |
We're working closely with a small group of design partners in banking, payments, and fintech infrastructure. If your team is deploying AI agents that touch money, we want to talk.
One authorize call before the payment. One confirm call after. Everything else is policy configuration — no logic changes in your payment flow.
import { PermitClient } from "@permitnetworks/sdk";
const permit = new PermitClient({
apiKey: process.env.PERMIT_API_KEY,
agentId: "billing-agent-01",
});
// Before making a payment, ask for authorization
const decision = await permit.authorize({
action: "payment.create",
resource: `customer:${customerId}`,
amount_cents: 245000, // $2,450
metadata: {
merchant: "stripe",
description: "Invoice #4521",
category: "5411", // MCC: Grocery stores
},
});
if (decision.effect === "allow") {
await stripe.paymentIntents.create({ amount: 245000, ... });
await permit.confirm(decision.id); // Close the audit loop
} else {
throw new Error(`Payment blocked: ${decision.reason}`);
}
Numbers that hold at card-network scale, not just startup traffic.
| Requirement | Industry need | PermitNetworks |
|---|---|---|
| Authorization latency | < 10ms | < 1ms (p99) |
| Availability | 99.99% | 99.99% SLA |
| Throughput | Burst to 100K TPS | 50K req/s per gateway |
| Audit retention | 7 years | 7+ years, anchored |
| Key rotation | Quarterly | Daily (automated) |
Direct answers. No marketing language.
Engineering-led conversation. No sales deck. 30 minutes to evaluate fit.