Vision

Every major computing shift has created new financial infrastructure. Mainframes needed electronic funds transfer. The web needed PayPal. E-commerce needed Stripe. Mobile needed Apple Pay and Venmo.

AI agents are the next platform. They need Bankia.

Architecture Overview

Bankia consists of three distinct layers, each addressing a critical challenge in enabling agent-based financial operations:

┌─────────────────────────────────────────────────────────────────┐
│                     AI AGENT FRAMEWORKS                          │
│        (LangChain, CrewAI, AutoGen, Claude, GPT, etc.)          │
└─────────────────────────────────────────────────────────────────┘
                              │
                              ▼
┌─────────────────────────────────────────────────────────────────┐
│              LAYER 3: DEVELOPER SDK / MCP SERVER                 │
│         Simple API  •  Guardrails  •  Webhooks & Callbacks       │
└─────────────────────────────────────────────────────────────────┘
                              │
                              ▼
┌─────────────────────────────────────────────────────────────────┐
│              LAYER 2: OPEN FINANCE CONNECTOR                     │
│     PIX via ITP  •  Account Data  •  Consent Lifecycle           │
└─────────────────────────────────────────────────────────────────┘
                              │
                              ▼
┌─────────────────────────────────────────────────────────────────┐
│              LAYER 1: AGENT IDENTITY & REGISTRY (KYA)            │
│   Digital Agent Passport  •  Scoped Permissions  •  Audit Trail │
└─────────────────────────────────────────────────────────────────┘
                              │
                              ▼
┌─────────────────────────────────────────────────────────────────┐
│                  GLOBAL INSTANT PAYMENT RAILS                    │
│   🇧🇷 PIX  •  🇮🇳 UPI  •  🇺🇸 FedNow  •  🇪🇺 SEPA  •  🇬🇧 FPS       │
└─────────────────────────────────────────────────────────────────┘

Layer 1: Agent Identity & Registry (KYA)

"Know Your Agent" — The compliance layer

Digital Agent Passport

• Unique cryptographic credential for each AI agent
• Verifiable on-chain or via API
• Linked to human (CPF) or company (CNPJ) owner

Scoped Permissions

Audit Trail

• Every agent action cryptographically signed
• Immutable log of all operations
• Real-time monitoring for anomalies
• Dispute resolution ready

Layer 2: Open Finance Connector

The bridge to financial infrastructure

PIX via ITP

Own Central Bank license as Initiador de Transação de Pagamento (ITP). Direct payment initiation, real-time settlement, full BACEN compliance.

Open Finance Data

• Account balance queries (with consent)
• Transaction history access
• Multi-bank aggregation

PIX Automático

Recurring payment setup, subscription management, automatic renewal handling.

JSR (Jornada Sem Redirecionamento)

Frictionless transactions under R$500 — no bank app redirect required. Instant approval flow ideal for high-frequency agent operations.

Layer 3: Developer SDK / MCP Server

Simple integration for any AI framework

Supported Frameworks

LangChain, CrewAI, AutoGen, Claude (Anthropic), GPT Assistants (OpenAI), and any custom implementation.

API Reference

from bankia import Agent

agent = Agent(agent_id="ag_abc123", api_key="sk_live_xxx")

# Send PIX payment
result = agent.pay(
    pix_key="email@exemplo.com",
    amount=150.00,
    description="Pagamento serviço"
)

# Check balance
balance = agent.get_balance()

# List transactions
transactions = agent.list_transactions(limit=10)

MCP Server

For Claude and other MCP-compatible agents:

{
  "tools": [
    {"name": "bankia_pay", "description": "Send PIX payment"},
    {"name": "bankia_balance", "description": "Get account balance"},
    {"name": "bankia_transactions", "description": "List transactions"}
  ]
}

Regulatory Compliance

• ✓ BACEN Open Finance regulations
• ✓ ITP licensing requirements
• ✓ PIX security standards
• ✓ LGPD data protection
• ✓ AML/CFT compliance

Global Expansion

Milestones