Back to Case Studies
AI + FintechPioneer

FirstAgent

Pioneering AI-to-Payments Protocol

We built a production conversational payments system before Google announced the AP2 (Agent-to-Payments) protocol. AI agents can make purchases on behalf of users with cryptographically-signed authorization mandates.

First
Pre-AP2
50+
Countries
Biometric
Security
6 weeks
To Production
Secure Enclave
Cryptographic Auth

Built Before AP2 Was Announced

Google announced the Agent-to-Payments protocol in September 2025. We had a working system months earlier.

Pioneer Status

How Agent Payments Work

Users describe what they want in natural language. AI extracts rules. Cryptographic mandates authorize agent actions.

1

Describe Mission

User: "Find me AirPods under $200 this week"

2

AI Extracts Rules

Gemini parses: product, max price, timeline, quantity

3

Sign Mandate

Secure Enclave + Face ID creates cryptographic auth

4

Agent Executes

Agent monitors deals, proposes cart, completes purchase

Security Architecture

Cryptographic Mandates

Every agent action requires a cryptographically-signed mandate. Two types:

  • Intent Mandate: Authorizes agent to search and propose carts within rules
  • Cart Mandate: Authorizes specific purchase execution (auto or manual)

Secure Enclave Signing

Private keys never leave the iPhone's Secure Enclave hardware. Signatures require biometric authentication.

SigningService.sign(data: Data, with: SecKey) → ECDSA P-256 Signature

Mandate Data Structure

struct IntentMandate {
  let id: UUID
  let missionId: UUID
  let rules: MissionRules        // maxPrice, dates, merchants
  let mode: ExecutionMode        // .ask or .auto
  let signature: Data            // ECDSA P-256
  let publicKey: Data            // Verification key
  let createdAt: Date
  let expiresAt: Date
  var isRevoked: Bool
}

Execution Modes

Ask Mode

Agent proposes carts for user approval. Each purchase requires explicit consent via Face ID. Safer for high-value or unfamiliar purchases.

User approves every transaction

Auto Mode

Agent executes purchases automatically within mandate rules. Great for routine purchases or time-sensitive deals that match strict criteria.

Autonomous within constraints

Technical Stack

iOS App
  • Swift 5.9
  • SwiftUI
  • Secure Enclave
  • LocalAuthentication
AI Services
  • Gemini 1.5 Flash
  • JSON Mode
  • Rule Extraction
  • Mission Summary
Payments
  • Wise API
  • International Transfers
  • 50+ Countries
  • Multi-currency
Security
  • ECDSA P-256
  • Face ID / Touch ID
  • Mandate System
  • Audit Trail

Impact & Significance

First of Its Kind

Built production conversational payments before billion-dollar companies, proving agent-to-payments viability.

Bank-Grade Security

Cryptographic mandates and hardware-backed signing ensure only authorized transactions execute.

Real Transactions

Not a prototype. Real Wise API integration enabling actual international transfers across 50+ countries.

Building the future of AI payments?

We're experts in AI agents, fintech integration, and secure transaction systems. Let's build something groundbreaking.

Start Your ProjectView More Case Studies