The Agent Bank
for the Delegated Buyer.

Payment and identity infrastructure for the Agent Era. Curless lets ChatGPT, Claude, OpenAI Operator, Qwen, and any AI agent complete the transactions they recommend today — across cards, stablecoins, and real-time rails.

$3–5T
Global agentic commerce GMV by 2030
McKinsey · 2026
15–20%
Retail referral traffic from AI chat today
Deloitte · 2026
12+
Agent payment protocols, no winner yet
Curless KB · 7-month survey
90 days
From integration kickoff to first live transaction
POC standard
PRODUCT

Three layers AI agents need.
One SDK.

Discovery, reasoning, orchestration — all already work. The agent breaks at the transaction. Curless rebuilds that step from the ground up.

KYA — Know Your Agent

Six-layer trust chain that lets a merchant know exactly who the agent is, what scope it was delegated, and how to revoke. KYC for the agent era.

Identity & Mandate

Multi-rail Settlement

Cards, USDC, real-time payments, and direct carrier billing — Curless routes every transaction to the cheapest, fastest, most compliant rail per market.

Routing & Rails

EU-Licensed Foundation

Austrian EMI license in formal application with the FMA — PSD2 / MiCA / DORA / GDPR coverage in scope. A regulated counterparty, not a sandbox.

Compliance & Trust

Protocol-Neutral

Speaks Stripe ACP, Google AP2, Mastercard Agent Pay, Visa ICC, Anthropic MCP, and Alipay ACT natively. One integration covers the whole agent universe.

Aggregator

APAC ↔ EU Corridor

Asian travellers, EU merchants. Curless natively handles FX, VAT refund, multi-currency, and CEE inbound — the single hardest payment leg.

Cross-Border

Dispute & Liability

When an agent gets it wrong, who pays? Curless tracks intent vs. action, scope vs. execution — so chargebacks land on the right party.

Post-Purchase
ARCHITECTURE

A 4-layer stack the agent economy can run on.

Identity, intent, settlement, liability — purpose-built layers for a world where the buyer is software.

L4
Liability & Dispute Engine
Three-tier arbitration when intent ≠ outcome. Chargebacks, returns, scope violations — all routed to the right party.
post-purchase arbitration
L3
Settlement & Routing
Cards · stablecoins · real-time rails · carrier billing. Smart routing per merchant, per market, per amount.
multi-rail FX · VAT
L2
Intent Verification
Mandate scope · spending limit · category fence · revocation. Verifying what the agent was actually authorised to do.
mandate revocation
L1
KYA — Identity Chain
Six-layer trust chain: principal · agent · model · framework · runtime · session. The "KYC of agents".
identity trust
SCENARIOS

Live agent commerce — across travel, transit and hospitality.

Real merchant pilots in the categories agents reach first: high-AOV, multi-currency, multi-merchant journeys where every step today is a handoff.

Airports
Dozens of merchants per terminal, tens of millions of passengers a year. One Agent identity, one credential, one transaction. Pay-as-you-arrive.
🚆
Cross-Border Rail
Tickets across multiple national operators. Multi-modal, multi-currency, VAT-handled. Hundreds of millions of journeys per network.
🌐
National Tourism Boards
Country-level Agent gateway. First-party attribution across regions. Hundreds of millions in inbound visitor spend uplift.
🍜
F&B Chains
Premium restaurant groups across multiple markets. Cross-market reservation, payment, and loyalty in one agent orchestration.
🏨
Resorts & Hospitality
Premium resort and hotel booking through agents. Cross-border, multi-currency, multi-language — closed by Curless.
📡
Telecom Operators
eSIM × agent · DCB micro-payments · multi-country joint GTM. Telecom backbone meets agent rails.
📦
Enterprise Supply
AI agents auto-reorder office consumables, SaaS subscriptions, and B2B catalog items. Programmable mandate, multi-supplier routing, full audit trail.
🚗
Connected Cars
Pay at the pump, parking gate, toll booth, EV charger, drive-thru — all from the dashboard agent. Hands-free, account-bound, multi-rail.
🛍
DTC Brands
Independent brand stores opening up to agent shoppers. Inventory-aware checkout for ChatGPT, Claude, and Operator inbound — first-party attribution built in.
"

Many of the most important problems in this space remain wide open — ones that require neutrality, cut across existing business models, or have not risen to the top of the priority list for the players with the most resources.

Bessemer Venture Partners · Atlas · May 2026
WHY NOW

Six months. Five constitutional rewrites.

Every major payment network and AI lab has now made their move on agentic commerce. The infrastructure layer is being decided in real time.

Stripe ACP
FEB 2026 · NORMANDY
USDC + Agentic Commerce Protocol launched with OpenAI and Anthropic as Day-1 partners.
Visa ICC
APR 2026 · OFFICIAL
Intelligent Commerce Connect framework — Visa pivoting from card network to full-mode payment router.
Mastercard × Santander
MAR 2026 · EUROPE
First regulated AI cross-border payment using Mastercard Agentic Token. Real-money, real-bank.
OKX APP
APR 2026 · CRYPTO-NATIVE
Agent Payments Protocol — 20+ chains, AI teams, wallets and data providers endorsed in 24 hours.

Build the agent economy with us.

30-day POC · zero integration cost · EU-licensed foundation.