EDUCATION
MEng Electrical and Electronics Engineering with Management
EXPERIENCE
01 OPPORTUNITY
Building the control layer for payments made by AI agents.
02 FOUNDERS
Two technical founders from regulated finance.
Our combined experience spans investment and commercial banking, from regulated investment products to market making systems built to support up to one million FX and fixed income transactions a day. We understand how money moves through regulated institutions and how payments are authorised, controlled and reported.
03 THE PROBLEM
Three questions the payment system cannot answer.
Who is spending?
The rail sees a customer and a payment provider. It never sees the agent.
Who authorised it?
The rail sees an amount and a payee. It never sees the instruction the user gave.
Who is liable?
The rail sees a payment message. It cannot replay the decision behind it.
Swipe through the questions
04 WHY NOW
Productive agents are stuck at checkout.
2026 was the breakout year for agentic workflows. Business agents sourced suppliers, negotiated purchases and managed operations at production scale, but they still handed payment back to a human. AgentMandate aims to remove this inefficiency to unlock truly autonomous B2B agents.
suppliers managed.
units managed.
IT workflow actions observed.
2030 TRANSACTION VOLUME ESTIMATE~88B / YEAR
digital-commerce transactions executed.
JuniperGartner forecastSwipe through the evidence
HM TREASURYThe UK is asking how agents should be allowed to pay.05 THE SOLUTION
AgentMandate makes existing payment rails agentic.
AgentMandate turns the user’s instruction into an enforceable payment mandate. It is a rail-agnostic control layer for card and account-to-account payments across the UK and EU, so agents can run complex, long-running workflows unsupervised. We built and tested it across the full lifecycle: limit enforcement, mandate revocation and dispute replay.
01AI agentasks to pay
02AgentMandate
Guarantee
GuaranteeINSIDE AGENTMANDATE
- Capture the instruction the user signed
- Make the agent identifiable on the payment
- Set the limits the mandate will enforce
- Record the whole chain from instruction to receipt
03Payment provider
- BANK ACCOUNTS
- FPS · Bacs
- CARDS
- Visa · Mastercard · Amex
06 DEMO
See it in action.
Given a £2,500 mandate, a ChatGPT agent tracks three auctions, chooses the best deal and completes the winning payment. Built for B2B agentic payments, AgentMandate uses the commercial VRP (cVRP) Wave 1 mandate structure. At full scale, the same mandate will be enforced directly by the user’s bank, allowing AgentMandate to operate natively on the UK’s consumer payment rails too.
07 THE BUSINESS
A flat fee on every payment we verify.
Agent payments are creating a large new market. We intend to become its default infrastructure in the UK and EU.
5pPER VERIFIED PAYMENT
~6.6B UK and EU agent payments × 5p
2030 European B2B invoice forecastGartner machine delegation benchmark
08 WHY WE WIN
Trust is our moat.
Every payment comes with clear recourse. We understand our guarantee is a bold claim. Our combined experience in commercial and investment banking gives us the skills and confidence to execute it at scale.
01 · COMPLETE DISPUTE LIFECYCLE
Every dispute, owned end to end.
AgentMandate replays the evidence, identifies the liable party, raises the dispute with them and tracks it through resolution.
- 01Replay
Instruction to receipt
- 02Assign
Identify the liable party
- 03Raise
Put the dispute to them
- 04Resolve
Track it through closure
02 · OUR GUARANTEE
When we are liable, we make it right.
If our enforcement allows an agent to complete a payment that violates an active mandate, we make the payer whole by reimbursing the full transaction value.
FULL VALUEREIMBURSED TO THE PAYER
09 THE ASK
£1.5mPRE SEED
- Build the live payment infrastructure
- BUILTUK bank to bank payments
- NEXTCard payments
- NEXTEU bank to bank payments
- Prove demand through live payments
- Three to five paying pilots
- Repeat live payment volume
- Validate the 5p payment model