The compliance and identity layer that lets AI agents execute real financial transactions. Built on ERC-8004, integrated with Open Finance.
Bankia connects AI agents to traditional banking through a compliance-first architecture.
Based on ERC-8004 (Trustless Agents). Each AI agent gets a unique on-chain identity linked to its human/company owner (CPF/CNPJ). Cryptographic proof of authorization.
Integration with Brazil's Open Finance via ITP (Payment Initiation). PIX, TED, account data access — all through regulated banking rails.
Simple API for any AI framework. agent.pay(), agent.getBalance(). Built-in guardrails: spending limits, velocity checks, anomaly detection.
Three phases: validate with BaaS, prove in sandbox, own the infrastructure.
Build the KYA layer and validate product-market fit using Banking-as-a-Service partners. Focus on developers and early adopters.
Enter BACEN regulatory sandbox to operate with controlled limits. Build compliance track record and direct Open Finance integration.
Full ITP (Iniciador de Transação de Pagamento) license from BACEN. Own infrastructure, no BaaS dependency, global expansion ready.
AI agents are exploding in capability. They can book flights, negotiate deals, make purchasing decisions. But the moment they need to move money, everything breaks.
Brazil has the most successful instant payment system in the world. 150M+ users, 24/7, free transfers. Perfect testbed for agentic payments.
Brazil's Open Finance is mature with 800+ institutions. ITP category exists specifically for payment initiators. Regulatory path is clear.
Ethereum's new Trustless Agents standard provides the identity and validation layer we need. We're building on proven infrastructure.
Join the infrastructure powering the autonomous economy.