Guardia is the trust layer between AI agents and financial institutions — scope, sign, and audit every action before it executes.
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Every major financial institution is fielding requests to connect AI agents to payment rails. None of them have a safe way to do it. Until now.
AI agents have no standard mechanism to request bounded financial access. Every integration is one-off, brittle, and invisible to compliance.
IN B2B PAYMENTS ANNUALLY — ZERO HAVE A PERMISSION STANDARD FOR AI AGENTS
When an AI agent moves money, no signed record attributes the action. Finance teams can't tell an authorized payment from an exploit.
OF ENTERPRISES BLOCKED AI AGENTS FROM FINANCE TASKS DUE TO AUDITABILITY CONCERNS
A single prompt injection or scope creep can drain an account. Without bounded execution, AI in finance is a liability, not an asset.
IN PROJECTED AI-DRIVEN FINANCIAL FRAUD LOSSES BY 2027
Guardia is infrastructure, not an application. We sit in the critical path between intent and execution — quietly, verifiably.
Define exactly what an agent can do — which institution, which action, which limit, which expiry — before a single instruction executes.
Every grant, every execution, every outcome is cryptographically signed and written to an immutable log. Your compliance team gets a complete, attributable record.
One API. Any agent framework — LangChain, AutoGen, custom. Any financial institution — bank, payment processor, ERP.
Integrate in an afternoon. Ship to production the same week. REST API — no SDKs required, though we have them for every major language.
Declare exactly what your agent is allowed to do. Scopes are human-readable, version-controlled, and audited at every use.
Hand the agent a time-bound, scoped credential. It can execute within those bounds — and nothing outside them.
Every execution is attributed, signed, and written to an immutable log. One dashboard. Complete visibility.
Configure a grant, set a transaction amount, and run it. Guardia evaluates scope in real time — see exactly what gets approved, denied, or held for human review.
Guardia is the permission and audit layer beneath all of them — regardless of the agent framework, the financial institution, or the use case.
Your CFO agent receives an invoice, validates it against contract terms, and executes payment. Guardia enforces the spend limit, the vendor allowlist, and the approval chain. No human in the loop unless the grant requires it.
A travel agent books flights and hotels on behalf of employees, within per-trip budgets and preferred-vendor policies. Every transaction is attributed to a traveler, a cost center, and a grant ID — ready for your ERP.
Procurement agents place orders with approved suppliers, within category budgets, with cryptographic proof of authorization attached to every PO. Audit-ready from the first keystroke.
Let your app's AI pay bills, cancel subscriptions, or top up accounts — scoped to exactly what the user authorized. Users set limits. Guardia enforces them. You never touch the credentials.
Loan origination agents approve and disburse funds the moment underwriting clears. Guardia sits in the critical path — grant issued, funds moved, ledger entry written, all in a single auditable chain.
Wealth management agents rebalance portfolios, execute trades, and collect fees — all within the risk constraints your compliance team defined. Guardia enforces position limits and prevents drift before the order hits the exchange.
The capability, the gap, the regulatory pressure, and the precedent all converged at the same time.
GPT-4, Claude, Gemini crossed the threshold from language models to reasoning agents. Autonomous AI is now in production across every major enterprise. The models can decide to move money. The permission layer to do it safely doesn't exist yet.
Every major payment rail — Stripe, Plaid, SWIFT, ACH — authenticates apps and humans. Not agents. There is no concept of a scoped, expiring, auditable grant for an AI acting on a user's behalf. Agents today either use stolen credentials or can't touch money at all.
The EU AI Act (enacted June 2024) classifies AI taking consequential financial actions as high-risk, requiring documented human oversight and full audit trails. PSD3 is in final trialogue. Compliance teams are asking for answers that don't exist yet.
Plaid didn't build a bank — it built the data access layer between apps and banks. That infrastructure play was worth $13B. We're building the same layer, one level up: not data access, but action access. BaaS normalized read. Guardia normalizes write.
Every dollar of the $120T+ in annual B2B payments will eventually move through an AI agent. None of them have a safe way to do it today. Guardia is the layer that makes it possible — for every agent, every institution, every use case.
Start free. Pay as your agents scale. Enterprise pricing is per-institution, not per-user.
We've built and operated financial infrastructure at scale. Guardia is the tool we wish had existed.
Previously built payments infrastructure at scale. Deep expertise in financial systems and regulatory compliance.
Previously led platform engineering at a top-tier fintech. Architect of distributed systems processing billions in transactions.
From investors doing diligence and developers evaluating the API.
We're opening API access to a limited cohort. Join the waitlist and we'll reach out within 48 hours of your company clearing a short security review.