Payman AI (paymanai.com) is a financial platform purpose-built for agentic AI systems that need to move money autonomously. Traditional payment rails assume a human is behind every transaction; Payman bridges that gap by giving AI agents a dedicated, policy-gated wallet rather than access to a main bank account. The platform operates across two distinct use cases. First, it provides agentic banking: AI that executes real banking transactions (payments, transfers, account analysis) via voice or text on existing rails, with bank partners such as Citizens State Bank (May 2026) and Middlesex Federal Savings (December 2025) already live. Second, it offers an AI-to-human task marketplace where agents can post work they cannot perform themselves, pay verified human contributors in USD or USDC, and receive webhook notifications on task completion. Every payment is governed by a programmable policy engine that developers configure: per-transaction caps, daily spending limits, recipient whitelists, geographic restrictions, and approval thresholds. No money moves until the policy layer validates the request. All transactions are logged with full audit trails including the original user request, AI reasoning, policy checks applied, and execution timestamps. Developer tooling includes PayKit, a single-integration SDK compatible with Vercel AI SDK, LangChain, and other LLM frameworks. An official MCP (Model Context Protocol) server is also available. The platform is SOC 2 and PCI compliant, uses Fifth Third Bank for USD custody, and is backed by Stripe for payment processing. Investors include Visa, Coinbase Ventures, Circle, and Boost VC. The company raised $3M pre-seed in 2024 and a further $9.57M round in October 2024, totaling $13.8M across three rounds as of 2026. Key features: - Programmable policy engine: per-transaction caps, daily limits, recipient whitelists, and approval thresholds - Dedicated agent wallets (USD via ACH and USDC via crypto) isolated from main bank accounts - AI-to-human task marketplace for posting and paying humans for tasks AI cannot complete - PayKit SDK with native integrations for Vercel AI SDK, LangChain, and other LLM frameworks - Official MCP server for Model Context Protocol-based agent integrations - Immutable audit trail per transaction: user request, AI reasoning, policy checks, and execution timestamp - Agentic banking partnerships with community banks (Citizens State Bank, Middlesex Federal Savings) - SOC 2 and PCI compliance; Fifth Third Bank USD custody; Stripe payment processing
Free sandbox tier (unlimited test transactions, no credit card required). Production tier charges per-transaction fees (percentage + flat fee); no monthly platform fee. Exact live rates not publicly listed.