The company behind AgentaOS.

MiCA (Markets in Crypto-Assets Regulation) is the EU’s regulatory framework for crypto-assets, effective from 2024. It classifies tokens into utility tokens, asset-referenced tokens, and e-money tokens, each with different compliance requirements. Under MiCA, non-custodial wallet providers are considered exempt from CASP licensing because they never hold, control, or have access to user funds. AgentaOS operates as a non-custodial software platform. Users retain full control of their keys. KYC/AML is handled by our regulated e-money partner (Monerium). We never hold, control, or have access to user funds.

The GENIUS Act (Guiding and Establishing National Innovation for US Stablecoins) is the US framework for regulating stablecoin issuers. It establishes federal licensing requirements, reserve and transparency standards, and consumer protection rules for payment stablecoins. For companies integrating stablecoin payments in the US market, this means working with licensed issuers and ensuring your infrastructure meets the new compliance requirements.

Traditional cross-border B2B payments take 3 to 5 days and lose 1 to 3% in fees through correspondent banking networks. With stablecoin settlement, the payment clears on-chain in seconds using regulated e-money tokens. The sender converts fiat to a regulated stablecoin, the on-chain transfer settles instantly, and the recipient can convert back to fiat or hold the stablecoin. This eliminates intermediary delays and reduces costs to near zero. It also makes payments programmable, which means AI agents can trigger and settle transactions autonomously.

ERC-20 is the basic Ethereum token standard with no built-in compliance. Anyone can send tokens to anyone, which makes it unsuitable for regulated securities. ERC-3643 adds an identity and compliance layer on top: token holders must pass identity verification, transfers are checked against compliance rules in real time, and issuers can enforce jurisdictional restrictions. This makes ERC-3643 the standard for security tokens that need to meet regulations like MiCA or SEC requirements.

Verifiable credentials are digital proofs of identity or qualifications that a person controls and can share selectively. Unlike traditional KYC where every platform stores a copy of your passport, verifiable credentials let you prove your identity without repeatedly handing over personal data. In fintech, they enable compliant onboarding (KYC/AML), reusable identity verification across platforms, digital product passports for supply chain tracking, and privacy-preserving compliance under eIDAS 2.0 and GDPR.

Agentic commerce is the shift from humans managing every transaction to AI agents handling purchasing, invoicing, and settlement autonomously. It works through open protocols like x402, which extends the HTTP standard (the “402 Payment Required” status code) so that any web service can request payment and any AI agent can fulfill it using stablecoins. AI agents already manage procurement, compare suppliers, and place orders. Agentic commerce gives them the payment rails to settle those transactions instantly, with or without a human in the loop.