As the digital economy evolves, new forms of interaction are emerging between humans, businesses and autonomous AI systems. Applications are no longer limited to traditional users. Intelligent agents are now capable of making decisions, executing tasks and participating in economic activities on behalf of individuals or organizations. To support this new ecosystem, robust infrastructure is required for digital identity, payments and financial management.

The ecosystem is built around four core components: AI Agent Wallets, AI & Human Digital Identity, Multi-Currency Wallets and Interledger Payments. These products create a unified financial and identity layer that allows applications to manage users and agents within the same secure framework. AI Agent Wallets enable systems to make payments and manage funds while operating within clearly defined policy controls. The Digital Identity layer introduces decentralized identifiers and digital passports that provide identity for both humans and AI agents, enabling trusted participation in regulated environments.

Multiple Currency Wallets extend these capabilities by allowing users and agents to hold balances in multiple currencies, fund accounts through various payment methods and perform global transfers. This simplifies cross border payments and supports platforms of any scale. Interledger Payments connect wallets to a global payment network that enables instant transactions, streaming micropayments and seamless value transfer across different financial systems.

Products Offered by Chimoney

AI Agent Wallets

AI Agent Wallets provide a secure and scalable payment system designed specifically for independent AI systems. As AI agents begin performing tasks such as purchasing services, issuing refunds, managing subscriptions or distributing payments they require financial tools similar to those used by humans. AI Agent Wallets enable these agents to send, receive and manage funds while remaining fully governed by policy controls and compliance mechanisms.

A key feature of AI Agent Wallets is the inbuilt policy engine. Developers and organizations can define spending limits, approval workflows and transaction rules at the time of wallet creation. For example, an AI agent could be limited to spending hundred dollars per transaction or capped at 500 dollars per day. If the agent attempts to exceed these limits the transaction is automatically rejected by the API. This server side enforcement removes the need for manual monitoring while maintaining strict financial controls.

The system also includes real time monitoring enabling organizations to track transactions as they occur. Alerts can be configured for unusual activity, policy violations or budget thresholds. Every transaction is recorded in an audit trail, ensuring complete transparency for compliance, reporting and forensic analysis. AI Agent Wallets support Interledger payment pointers allowing agents to transact across a global payment network.

Multi-Currency Wallets

Multi-Currency Wallets provide a flexible financial systems that allow platforms to create and manage wallets for users across multiple currencies and payment systems. Designed for both human users and AI agents these wallets simplify global payments while ensuring compliance, scalability and operational efficiency. The platform enables businesses to issue wallets to their users regardless of scale. The infrastructure allows organizations to create and manage thousands or millions of wallets with minimal operational overhead. Each wallet supports multiple currencies, enabling users to fund accounts, hold balances and make payments in different currencies without needing separate accounts.

The platform integrates automated KYC verification to confirm user identities and ensure regulatory compliance. This allows businesses to operate in regulated financial environments without having to build their own compliance infrastructure. Users can fund their wallets through multiple channels including bank transfers and various supported payment methods. Once funded, wallet balances can be stored in different currencies and used to make payments globally.

This makes the system ideal for cross border remittances, digital marketplaces, community platforms and contractor payment systems. The wallet infrastructure is also integrated with the Interledger payment network allowing users to send and receive payments seamlessly across different financial systems. This integration enables faster and more efficient global money transfers while reducing the complexity of traditional international payment processes.

Interledger Payments

Interledger Payments provides the infrastructure needed to connect wallets and applications to the Interledger network enabling seamless payments across different financial systems. The Interledger Protocol acts as a universal payment layer that allows money to move between banks, digital wallets, blockchain and other payment networks without requiring direct integration between each system. A central feature of the Interledger infrastructure is the use of payment pointers.

Interledger Payments are processed in real time enabling instant settlement across borders. The protocol automatically handles routing, currency conversion and payment delivery through the most efficient path available. This allows users to transfer funds globally without dealing with the delays and complexities often associated with traditional international payments. The platform also enables Web Monetization that is a system that allows content creators to receive streaming micropayments as users consume digital content.

Instead of relying on advertisements or paywalls creators can earn revenue automatically while users read articles, watch videos or listen to music. Payments are made continuously and transparently through the Interledger network. By providing payment pointers, streaming payments, API integrations, and fully managed infrastructure, Interledger Payments offers a powerful foundation for building the next generation of global financial applications.

Uchi Nick Uchibeke | Founder and CEO 

“Chimoney is the first infrastructure platform that gives AI agents, and humans who build them, a complete, compliant foundation for autonomous money movement.”