🛡️
Biometric Verification
APTO Trust Engine requesting
Face ID for $1,699.00
✅
Payment Successful
$0.00
Transaction ID: tx_0x8f7a3b9c
Settled via APTO Trust Engine
Scenario 1 of 3
🛡️
Trust Without Friction
"AI agents shop autonomously, but users stay in control"
Watch how an AI shopping agent handles a normal purchase within user-defined mandates. No friction, full control.
Choose Your AI Agent
Starting in 8s...
💡
Investor Insight
Normal transactions complete in <2 seconds without user intervention
Auto-continue in 8s
🚀
Tour Complete!
You've seen how APTO protects every transaction —
from routine purchases to fraud prevention.
$1,889
Approved
1
Step-Up
$5,000
Blocked
Let's Talk Investment →
APTO • Agent Payment Trust Orchestrator

The Trust Layer for
AI Agent Payments

AI agents can automate everything—except payments. Without secure rails, every transaction is a fraud risk. APTO enables agents to pay safely, with user-controlled mandates and real-time fraud detection.

$500B
Agent Commerce by 2027
0
Secure Payment Rails Today
1
APTO
AP2 Protocol
x402 Stablecoins
Multi-Rail Support
Real-time Settlement
Enterprise Security
How It Works
1
User Sets Mandate
Define spending limits, merchants, and categories
→
2
Agent Requests Payment
AI agent initiates transaction via A2A protocol
→
3
APTO Verifies & Executes
Risk check, mandate validation, secure settlement
Built With Rust GCP Cloud Native Vertex AI AP2 Protocol

Mandate Configuration

ID: man_0x8f7a
Monthly Spending Limit
$500.00
$0$200 used$500
Allowed Merchants
Nike Apple Amazon + Add
🔐
Cryptographically Signed
This mandate is secured by your Ed25519 key. The agent cannot exceed these limits.
Recent Activity
Live
Time Type Details Amount Status
Just now 🛒 Purchase Nike Air Max 90
Agent: did:web:shopping • nike.com		 $189.99 ✓ Cleared
10:42 AM ⚡ Step-Up MacBook Air M3 15"
Agent: did:web:shopping • apple.com • Face ID verified		 $1,699.00 ✓ Approved
Yesterday 🚫 Blocked Wire Transfer Attempt
Agent COMPROMISED • Risk score: 0.94 • Mandate violation		 $5,000.00 ✕ Rejected
Nov 27 🚫 Blocked Suspicious Merchant
Risk score: 0.89 		$1,200.00 ✕ Rejected
Nov 26 🍕 Food DoorDash Order
Agent: did:web:doordash		 $32.75 ✓ Cleared

🔐 Trust Engine Processing

1
Mandate Verification
Ed25519 Signature Check • Cryptographic Proof
~50ms
2
Trust Registry
Agent Authorization • Allowlist Validation
~30ms
3
Risk Analysis
Vertex AI ML Inference • 50+ Signals
~100ms
4
Challenge Service
Step-Up Auth (if needed) • 3DS2 / OTP
~0ms
5
Payment Execution
Stripe CardRail • Multi-Rail Routing
~500ms
✓
Payment Successful
Transaction ID: tx_0x8f7a3b9c • Total time: 680ms
$189.99
👟
Nike Store Australia
Merchant ID: nike_au_001 • Integrated since Nov 2024
LIVE ✓ APTO Verified AP2 Compliant
Agent Commerce Revenue
$847,250
↑ 340% vs pre-APTO
Fraud Prevented
$42,890
🛡️ 127 blocked attempts
Dispute Resolution
< 4 hrs
vs 14 days industry avg
Chargeback Rate
0.08%
↓ 85% reduction
🤖 Top AI Agents by Revenue
🟢
ChatGPT Shopping
Trust Score: 0.94 • 2,847 txns
$312,450
37%
🟣
Claude Assistant
Trust Score: 0.91 • 1,923 txns
$198,720
23%
🔵
Gemini Shopping
Trust Score: 0.89 • 1,456 txns
$156,890
19%
📄 Recent Agent Transactions
Jordan Retro 4 • Size 10
Claude → User Miko T. • Risk: 0.05
$215.00
✓
Air Max 2024 • Size 11
ChatGPT → User Sarah M. • Risk: 0.02
$189.99
✓
📋 Recent Agent Transactions
Air Max 2024 • Size 9
ChatGPT → User Sarah M. • Risk: 0.02
$189.99
✓
Jordan Retro 4 • Size 11
Claude → User Mike T. • Risk: 0.05
$215.00
✓
Dunk Low (5 pairs) • Bulk
Gemini → User Corp Buyer • Risk: 0.42
$549.95
2FA
⚠️ 50x Limited Edition → Reseller
Unknown Agent • Risk: 0.89
$8,500
🛡️
💡 APTO Impact for This Merchant
Enabled $847K in AI agent commerce with 0.08% chargeback rate (vs 1.5% industry avg)
$42K
Fraud Saved
127
Attacks Blocked
340%
Revenue Uplift

APTO Trust Layer Architecture

9 Production-Ready Rust Microservices • GCP Cloud Native • AP2 Protocol Compliant

External Layer
👤
User Device
Web / Mobile App
🤖
AI Agents
ChatGPT, Claude, Gemini
🏪
Merchants
Nike, Amazon, Uber
💳
Credential Providers
Google Pay, Apple Pay
A2A Protocol
APTO Trust Layer • 9 Microservices
Entry Point
A2A Gateway
JSON-RPC 2.0 • 15 files
Workflow Engine
Orchestration Service
Multi-rail routing • State machine • 42+ files
Compliance
Mandate Verification
Ed25519 / ECDSA • 13 files
AI Fraud Detection
Risk Engine
Vertex AI • SBERT • 72 files
ML Hallucination
Agent Registry
Trust Registry
Allowlists • Reputation • 13 files
Audit Trail
Evidence Store
Merkle Trees • Immutable • 20 files
CP Connector
OAuth2 • 6 files
Challenge Service
3DS2 / OTP • 6 files
Key Management
Cloud KMS • 15 files
Payment Rails
Settlement Layer
💳
Card Networks
Stripe • Visa • Mastercard
2-3s • 2.9%
🏦
Real-Time Payments
NPP PayTo (Australia)
<60s • $0.50
⚡
Crypto Rails
USDC on Base (x402)
<10s • $0.01
Language
Rust 1.75+
Database
Cloud Spanner
ML
Vertex AI
Cache
Redis
Hosting
Cloud Run
Protocol
AP2 / JSON-RPC