A compliant remittance protocol for trusted AI agents.
RemitProtocol enables agents to quote, optimize net delivery, and execute payouts with explicit consent and auditability — interoperable with ERC-8004 Trustless Agents.
Interoperable with agent-commerce standards
RemitProtocol complements interoperability and payment standards by specializing in remittance intent, consent, and payout execution.
*This site describes a protocol + reference implementation. It is not a bank, custodian, or money transmitter.
Net delivery comparison
What your recipient actually receives after all fees — the only number that matters.
| Provider | Send €100 | Exchange Rate | Transfer Fee | M‑Pesa Withdrawal Fee | Net Received (KES) |
|---|---|---|---|---|---|
| RemitProtocol | €100 | 148.2 | €0.01 | KES 33* | KES 14,786 |
| Wise | €100 | 147.8 | €1.20 | KES 105 | KES 14,485 |
| Remitly | €100 | 145.5 | €1.99 | KES 105 | KES 14,155 |
| WorldRemit | €100 | 143.9 | €2.99 | KES 105 | KES 13,850 |
*RemitProtocol optimizes send amount to land within lowest M‑Pesa withdrawal tier. Rates illustrative.
A five-step protocol flow for agent-native remittance
Design for intent, consent, and proof. Separate reasoning from execution. Keep everything auditable.
Discover
Agent reads capabilities (corridors, limits, rails) and resolves recipient identity.
Quote
Fetch rates/fees; compute net delivered; produce an auditable quote object.
Optimize
Apply fiduciary rules (tier thresholds, fee jumps) to recommend the best delivery plan.
Authorize
User confirms intent (explicit consent). Agent request is signed and replay-protected.
Execute
Perform payout via configured rails. Return tracking ID + receipt + ledger entry.
A crisp demo that proves the thesis
Show the protocol primitives, then show the payout. Keep it simple. Make it auditable.
From intent to delivery in four steps
The protocol handles routing, optimization, and execution — you just say what you want.
You speak
“Send 5000 KES to Mom” via Telegram.
Agent reasons
Resolves contact, checks tiers, produces a staged intent + quote.
You confirm
Review breakdown + confirm with PIN. No confirmation = no transfer.
Money arrives
M‑Pesa payout executes. Recipient receives KES with a tracking ID.
Built for explicit consent, auditability, and trust
We separate agent reasoning from execution, require explicit user authorization, and record all critical actions.
Explicit consent
No money moves without an explicit confirmation step.
Full audit trail
Every action is logged immutably — no silent failures.
Hard guardrails
Circuit breakers that cannot be overridden by the AI.
Trust through transparency
Protocol primitives, schemas, and reference implementation are open for audit.
Designed to interoperate with emerging agent-commerce standards
RemitProtocol complements commerce and payment protocols by specializing in remittance intents, compliance guardrails, and payout execution across rails.
Commerce protocols solve buying. RemitProtocol solves compliant remittance execution and recipient-first optimization.
Request a demo or join the waitlist
We’ll share a one‑pager, demo script, and the live Telegram walkthrough.