What is Chimoney?

‘The First Digital Passport and Payment Infrastructure for AI and Humans’

Chimoney is the first infrastructure platform that gives AI agents, and humans who build them, a complete, compliant foundation for autonomous money movement.

We combine the capabilities of traditional payment and identity platforms into a three-tier architecture purpose-built for the Agentic Internet which are Wallet + Passport + Policy, all in one licensed, production-ready system.

The Three Layers: Wallet + Passport + Policy

1. Wallet: Chimoney provides fully functional, multi-currency agent wallets with automatically issued Interledger wallet addresses ($ilp.chimoney.io/yourname-agentname). Each agent wallet receives:
   • Support for 20+ stablecoins across 5 blockchains (Ethereum, BSC, Polygon, Celo, XRPL)
   • Micropayment and streaming capabilities
   • 99.9% uptime, battle-tested in production
     
     
2. Passport: Every agent wallet is issued a cryptographically secure digital passport built on W3C standards:
   • Decentralized Identifier (DID): did:web:aport.io:api:agents/{agentId}
   • L4 Assurance: The highest identity assurance level for financial systems, backed by Chimoney’s regulatory licenses
   • Verifiable Credentials: Issued via APort.io, attesting to the agent’s authorization, capabilities, and compliance status
   • KYC-anchored: Parent account KYC verification automatically elevates agents to L4—enabling use in regulated industries like finance, healthcare, and legal tech
     
     
3. Policy: Chimoney embeds real-time policy enforcement into every transaction:
   • Spending controls: Daily limits, per-transaction caps, velocity rules
   • Allowlists/denylists: Restrict payments to pre-approved recipients
   • Immutable audit trail: Every decision is signed, timestamped, and stored, GDPR/HIPAA/SOX-ready
   • <200ms verification latency: Policies are checked via APort before any payment executes

Why AI Agents Need All Three

AI agents can’t just “pay” for services on the internet. To operate responsibly and effectively in the real world they must fulfill three foundational requirements:

• Ability to Transact - A wallet gives an AI agent a persistent payment address (like the Interledger wallet address - $ilp.chimoney.io/agent-name) and a real-time balance, enabling it to send and receive money across blockchains or traditional rails.

• Ability to Authenticate - A passport provides cryptographically verifiable identity—typically a W3C Decentralized Identifier (DID) paired with L4-assured verifiable credentials. This proves not just who the agent is, but what it’s authorized to do. In regulated industries like finance or healthcare, this is non-negotiable: third parties must be able to trust that the agent is legitimate, KYC-backed, and operating within its mandate.

• Ability to Comply - Policy ensures the agent never exceeds pre-defined guardrails. This includes daily spending limits, per-transaction caps, allowlists of approved recipients, and approval workflows for high-risk actions, all enforced in real time (<200ms) before any payment executes. Critically, every decision is logged in an immutable, auditable trail for SOX, GDPR, or HIPAA compliance.

Regulatory Foundation

Chimoney is licensed infrastructure operating under three critical regulatory and technical pillars:

• Canadian MSB - Fully registered with FINTRAC as a Money Services Business, enabling legal money transmission across 130+ countries with full AML/KYC compliance.

• Bank of Canada PSP - Approved as a Payment Service Provider, granting direct access to Canada’s real-time payment rails (Lynx).

• L4 Assurance via APort.io - Chimoney is a certified L4 Assurance Provider, the highest identity tier for financial systems. Every AI agent automatically receives a W3C Decentralized Identifier (DID) and a verifiable credential backed by our KYC and regulatory licenses.

Together, this means every AI agent and user on Chimoney is licensed, and identifiable by design.