toani Facilitate
Security and execution layer for Agentic Commerce. Dual KYC/AML, Google AP2 trust chain, and compliant settlement.
What is toani Facilitate?
toani Facilitate is the security and compliance layer for Agentic Commerce — enabling AI Agents to autonomously handle payments and financial transactions within their owner's defined boundaries.
It combines privacy-preserving identity verification (KYC via zkMe zero-knowledge proofs), real-time AML compliance monitoring, Google AP2 cryptographic trust chains, and secure settlement via the x402 protocol. Every transaction is bounded by the owner's cryptographic authorization (Intent Mandate), verified for dual-party compliance, and settled atomically with full audit traceability.
Compliance stack
KYC
zkMe zero-knowledge proofs
AML
Real-time compliance monitoring
Intent Mandate
Owner-defined spending limits
Protocol ecosystem
Key features
Dual KYC/AML
Verify both payer (Owner) and payee compliance before each transaction: privacy-preserving KYC (via zkMe ZK verification) + real-time AML compliance screening.
Google AP2 Trust Chain
Three-layer cryptographic instructions (Intent Mandate / Cart Mandate / Payment Mandate) form an unforgeable payment trust chain from user authorization to on-chain settlement.
Compliant Settlement
Atomic settlement via the x402 protocol. Transaction fees are covered by the platform, compatible with the AI payment protocol ecosystem.
MCP Gateway Middleware
Acts as trust middleware between MCP / tool calls, orchestrating compliance checks and payment execution flows.
Fail-Closed Safety
When compliance configuration is missing or an external service is abnormal, default to rejecting all transactions. No silent approvals.
Traceable Transactions & Audit
All transaction records include compliance status, Mandate verification records, and on-chain txHash for audit and reconciliation.
How it works
Owner (Fund Holder)
KYC verification, fund deposit, sign Intent Mandate
AI Agent (IDE / MCP / App)
Discovers paid tool, initiates purchase request
MCP Gateway (Facilitate)
Within budgetPayment Mandate → x402 settlement
Over budget / high riskChallenge or reject
Transaction Recorded
Intent Mandate usage updated, transaction reference bound
Result
- Agent can autonomously spend within budget
- Owner sees where funds went and whether spending stayed within scope
- Merchants receive compliant payments with verifiable proof
Key Properties
Every transaction verified for compliance
Cryptographic authorization with budget controls
On-chain settlement with full audit trail
Google AP2 three-layer mandates
Intent Mandate
Owner · EIP-712
Define spending boundary: single limit, total budget, validity period
Cart Mandate
Merchant · EIP-191
Lock product details, amount, and receiving address
Payment Mandate
MCP Gateway · EIP-3009
Execute payment settlement
Any mismatch in a signature or mandate's content at any step in the chain results in payment rejection.
Key benefits
Both parties verified per transaction
Payer completes one-time privacy-preserving KYC verification. Both payer and payee are checked in real time against sanctions and AML watchlists.
Agent spending within Owner's cryptographic boundary
Owner generates Intent Mandate via EIP-712 signature defining single-transaction limit, total budget, and validity. Stored as W3C Verifiable Credential.
Atomic settlement with full traceability
Each successful transaction is settled atomically with a unique transaction reference bound to internal records. Compliance status and Mandate verification recorded.
Use cases
Agent API Payment
Agent calls third-party paid tools in IDE/MCP to get real-time data. Facilitate checks budget, KYC/AML compliance, and settles autonomously via the x402 protocol.
SaaS & Tool Billing
SaaS platforms charge Agents by call volume through compliant billing pipelines with budget controls, approval flows, and on-chain settlement.
Cross-border Payments
Agent completes cross-border payments with real-time AML monitoring and compliant settlement, reducing compliance and counterparty risk.
Ready for compliant Agent payments?
Get started with Facilitate for secure Agentic Commerce.
