pAIgent — The autonomous layer for global B2B money movement.

The Problem

Cross-border B2B payments are stuck in 1970.

$30 trillion moves between businesses globally every year — through SWIFT rails built in 1973, manual operations teams, and 2–5 day settlement windows. The cost and friction are baked in. Until now.

The Velocity Gap

80% of CFOs demand instant settlement — yet real-time payments account for less than 2% of B2B volume. Most payments still take 2–5 days.

The Inflated Cost

Mid-market enterprises lose 3–7% on FX spreads and hidden intermediary fees on every cross-border transaction.

The False Positive Tax

1 out of 7 wires is flagged by legacy "black box" systems — creating a cycle of delays, manual overrides, and ops overhead.

$30T

Annual cross-border B2B trade volume

2–5 Days

Average settlement time

$120B

Lost to FX spreads annually

$260B

Annual compliance cost

Who It's For

Built for the teams that move money.

Start with human oversight. Scale to full automation. pAIgent works at whatever level of autonomy your team is ready for.

Finance Teams

Real-time settlement. Full audit trail.

Automated FX execution, reconciliation, and compliance documentation — without the ops headcount. Approve individually or let pAIgent execute within your rules.

⚙️ Human-in-the-loop or fully autonomous

Developers

Payments as code.

REST API + SDKs. Sandbox environment. OpenAPI spec. Set approval thresholds in your integration — require sign-off above certain amounts or let it run.

⚙️ Configurable approval workflows

Operations

You set the rules. We execute them.

Not ready to go fully agentic? Start with pAIgent as an intelligent co-pilot — flagging exceptions, suggesting actions, and executing only what you approve.

⚙️ Assisted → supervised → autonomous

🔒

Full autonomy is earned, not assumed. Every pAIgent deployment starts with your approval thresholds, escalation rules, and override controls in place — you decide how much to delegate.

Why pAIgent

Speed. Finality. Resilience.

Built on principles legacy infrastructure can't retrofit.

T+0

Real-Time Settlement

Minutes, not days. pAIgent routes to the fastest available rail and confirms settlement in real time — no batch windows, no manual cut-offs.

Immutable

Cryptographic Finality

Every payment is cryptographically sealed the moment it executes — an immutable record of what moved, when, at what rate, and through which path. No disputes. No ambiguity.

Zero SPF

Redundant by Design

No single point of failure. If a rail goes down, pAIgent re-routes in real time — across fiat and crypto rails — without interruption or human intervention.

Real-Time

Live Trust Scoring

Every counterparty gets a real-time trust score — synthesized from compliance data, transaction history, and behavioral signals. Risk assessed before funds move.

The Product

The complete Autonomous B2B payment lifecycle.

Fiat and crypto native. Real-time agentic execution and tracking. AI-optimized routing — from initiation to settlement, no humans required.

Fiat & Crypto Native

Move money across any rail — SWIFT, ACH, RTP, stablecoins — through a single unified API. No integration overhead. No rail-switching complexity.

Complete Payment Lifecycle

From initiation to reconciliation — compliance checks, FX execution, routing, settlement, and audit trail all handled end to end. No ops team required.

Real-Time Agentic Execution & Tracking

pAIgent's autonomous agents execute and monitor every transaction in real time. Full visibility at every step, with instant alerts on exceptions.

pAIgent AI Optimization

AI selects the optimal rail, timing, and FX rate on every payment — automatically reducing cost and settlement time without manual intervention.

Compliance & Trust

Built on TRUST.

Security and compliance aren't afterthoughts. They're the foundation.

Transparent

Every instruction, routing decision, and FX rate recorded on an append-only ledger — cryptographically sealed, immutable, audit-ready by default.

Reliable

Deterministic execution with fallback protocols

Unified

Single API across all payment rails and regions

Secure

Bank-grade security with AI fraud prevention

Traceable

Complete lineage from initiation to settlement

KYC

Know Your Customer

Every counterparty identity verified before funds move.

KYB

Know Your Business

Corporate structure, ownership, and risk profile validated at onboarding.

KYA

Know Your Agent

The autonomous agent is authorized, scoped, and auditable — before any transaction executes.

SOC2 Type II

Independent audit of our security, availability, and confidentiality controls — to the standard enterprise buyers require.

OCC Trust Charter

Pursuing an OCC Trust Charter to operate as a federally regulated trust company — giving partners and clients bank-grade assurance.

The Team

Built by operators, not observers.

Five exits. 45 years of combined cross-border experience. We've been on the inside — and we finally have the technology to build the infrastructure we always wished existed.

Guido Schulz

CEO & Co-Founder

Serial entrepreneur with four exits. Built and scaled fintech companies across payments, lending, and banking.

Andrey Lesko

CPO & Co-Founder

Product and GTM leader. Two decades building cross-border payment infrastructure at XE EEFT and Corpay CPAY.

Meet the full team →

Autonomous global B2B money movement.