Deterministic infrastructure for global payouts

The payments brain for autonomous agents.

Intent in. Fiat out. We connect AI agents to global fiat rails, automating the messy middle of routing, compliance, and privacy.

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The messy middle, automated.

Traditional cross-border rails break when AI agents try to use them. We handle the entire lifecycle of an autonomous transaction.

Agentic Route Planner

Dynamically evaluates chains, DEXs, and CEXs to find the optimal liquidity path based on cost, latency, and success probability. Never hardcode a route again.

Provable Compliance

Deterministic KYC/AML policy engine. Generates zero-knowledge compliance proofs for every hop.

Instant Fiat Out

Deep integrations with global off-ramps. We deliver native fiat to the recipient in seconds.

Infrastructure-Grade Reliability

Built for fintech standards. Idempotent requests, automatic partner fallback mechanisms, and per-hop observability.

The Execution Engine

Turning payments into
deterministic workflows.

Plan. Execute. Verify. Report.

01

Intent Extraction Input

Send a natural language prompt or a structured JSON payload. Our ingestion layer instantly translates agentic requests into actionable financial parameters—extracting the recipient, asset, and your strict constraints for routing latency, cost, and privacy.

parseIntent("{ target: 'mx_bank', amount: 500, asset: 'USDC' }")
02

Policy & Risk Verify

Deterministic policy evaluation checks what is allowed, for whom, and why. Enforces geographic constraints, sanctions screening, and zero-knowledge compliance rules.

checkPolicy(KYC_OK && AML_CLEARED && GEO_ALLOWED)
03

Route Planning Plan

The engine constructs a multi-hop execution plan. It selects the optimal blockchain, evaluates DEX/CEX liquidity venues, and arms the system with partner fallbacks in case of network congestion.

04

Settlement & Reporting Execute

On/off-ramp orchestration is executed deterministically. Fiat is delivered to the recipient, and the API returns a verifiable receipt with per-hop observability data.

Transfer Status: SETTLED_FIAT
POST/v1/transfer

One endpoint.
Infinite corridors.

A single, unified API that abstracts away blockchain complexity. Pass natural language intent or structured JSON, and Papillae handles the routing, swapping, and settlement automatically.

Idempotency Built-in

Safely retry failed network calls without ever double-spending.

Transparent Receipts

Every hop returns an auditable cryptographic receipt for compliance.

create_transfer.ts
import { Papillae } from "@papillae/sdk";

const papillae = new Papillae(process.env.PAPILLAE_KEY!);

const transfer = await papillae.transfers.create({
  // Agentic intent string natively supported
  intent: "Send 500 USDC to Mom",
  recipient: {
    id: "rec_8x9ab2",
    destination: "fiat_mxn_spei"
  },
  policy: {
    privacy: "max_allowed",
    optimization: "speed"
  }
});

// Strict execution guarantees
console.log(transfer.status); // "settled"
console.log(transfer.fiat_delivered); // "8,542.50 MXN"

Infrastructure for every financial primitive.

Whether you are building autonomous applications, self-custody wallets, or managing a global treasury, Papillae provides the deterministic rails to move money safely.

Autonomous AI Agents

Equip your Large Language Models with robust money primitives. Allow agents to safely negotiate, pay vendors, and settle invoices globally. Our engine enforces strict, un-bypassable guardrails directly at the protocol level.

  • Natural language intent parsing
  • Hardcoded spend limits & whitelists
[Agent]"Settle AWS invoice #928 for $4,000"
[System]Verifying treasury policy limits...
[System]Policy cleared. Executing routing...
Status:Settled
Delivered:4,000.00 USD (Wire)
USDC
Polygon
Optimal Route
MXN
SPEI Bank
Recipient gets8,542.50 MXN
Est. Time< 3 Seconds

Wallets & Fintech

Embed fiat off-ramping natively without building complex banking partnerships. Enable seamless cross-border payouts, debit card funding, and automated bill pay for both custodial and self-custody infrastructure.

  • Instant fiat delivery to 50+ countries
  • Automated compliance & risk scoring

DAOs & Global Payroll

Automate recurring treasury payouts to international contributors. Papillae ensures stable, transparent FX outcomes, minimizes slippage, and generates deterministic tax and compliance proofs for your entity.

  • Multi-recipient batching
  • Zero-knowledge privacy proofs

Batch Payout Execution

ID: tx_992a

Alex Chen

Engineering

£4,200 GBP

Settled

Maria Garcia

Design

€3,800 EUR

Settled

David Kim

Marketing

₩5.2M KRW

Settled

Start building today.

Join the private beta. We are onboarding select design partners to test our initial fiat corridors and AI SDK.