The Trust Layer for Agentic Finance
Stripe made it easy for websites to accept payments. Bankia makes it easy for AI agents to send them. We're building the compliance and identity layer that lets autonomous AI agents execute real financial transactions.
AI agents are exploding in capability. They can book flights, manage schedules, negotiate deals, and make purchasing decisions. But the moment an agent needs to execute a financial transaction, everything breaks.
Banks have no framework for non-human actors. There's no identity layer for agents. No compliance pathway exists. The infrastructure simply doesn't exist.
Every AI agent gets a cryptographic identity (NFT) linked to its human or corporate owner (CPF/CNPJ in Brazil). Scoped permissions define spending limits, allowed recipients, and time windows. Full on-chain audit trail.
Integration with Brazil's Open Finance via ITP (Payment Transaction Initiator). We start with BaaS partners, graduate to BACEN sandbox, then own ITP license.
Simple API for any AI framework. agent.pay(), agent.getBalance(). Built-in guardrails, velocity checks, anomaly detection. Works with Claude, GPT, LangChain, and any custom agent.
Clear regulatory path through three phases. Each phase de-risks the next.
Build KYA layer on ERC-8004. Partner with BaaS (Dock, Celcoin) for payments. Onboard early adopters. Validate product-market fit before heavy regulatory investment.
Apply to BACEN sandbox. Operate with controlled limits. Build compliance track record. Direct Open Finance integration. Prove the model works under regulation.
Full ITP (Iniciador de Transação de Pagamento) license. Own infrastructure. No BaaS dependency. Ready for global expansion (UPI, FedNow, SEPA).
| Market | System | Volume | Status |
|---|---|---|---|
| 🇧🇷 Brazil | PIX | $2.2T/year | Launch Market |
| 🇮🇳 India | UPI | $2.0T/year | 2028 |
| 🇺🇸 USA | FedNow | $1.8T/year | 2028 |
| 🇪🇺 Europe | SEPA Instant | $3.5T/year | 2029 |
Why PIX: Most successful instant payment system globally. 150M+ users. 24/7 operation. Free P2P transfers. Open Finance mature with 800+ institutions. ITP category specifically exists for payment initiators. Regulatory path is clear.
We have a functional prototype executing real PIX transactions via EFI. The KYA architecture based on ERC-8004 is designed and documented. We're now raising to build the production SDK and enter Phase 1 with BaaS partners.
Operations leader with deep experience in crypto and traditional finance. Led operations for multiple web3 companies. Expert in regulatory navigation and business development in emerging markets.
Developer specialized in crypto and blockchain technologies. Built production systems handling significant transaction volumes. Deep expertise in security, cryptography, and financial infrastructure.
Entity: Burri Co. — Incorporated in Próspera (Honduras)
Jurisdiction: Business-friendly regulatory environment with clear crypto/fintech framework
This round takes us through Phase 1 and into BACEN sandbox application.
| Milestone | Target Date |
|---|---|
| KYA v1 (ERC-8004 implementation) | Apr 2026 |
| BaaS partner integration live | May 2026 |
| SDK public beta (Python + TypeScript) | Jun 2026 |
| 10-20 early adopter agents | Jul 2026 |
| BACEN sandbox application submitted | Aug 2026 |
Next Round: Seed ($2-3M) upon sandbox entry to scale SDK adoption, build compliance infrastructure, and begin ITP license process.
Structure: SAFE with MFN provision
Min Check: $25,000
Target Close: April 2026
| Shareholder | Pre-Round | Post-Round |
|---|---|---|
| Lucas A. (CEO) | 45.0% | 39.4% |
| Martin A. (CTO) | 45.0% | 39.4% |
| ESOP (Employee Pool) | 10.0% | 8.7% |
| Pre-Seed Investors | — | 12.5% |
We're building the financial infrastructure for the autonomous economy.
investors@bankia.finance