What OceanAlt is and how to call it
OceanAlt is the compliance layer for agent payments: it answers whether a payment should happen, before the money moves.
Screen a payee address with one call, no signup and no API key: GET https://oceanalt.com/api/risk?addr=0x…; returns verdict (clear|caution|risky|uncertain), risk 0-100, language-independent signal_keys, and evidence with source URLs.
Three access levels, all opt-in: anonymous (60/min, no signup, never metered); registered (180/min and 5,000 calls a month free: POST /api/access-keys with an email); KYA (300/min and 50,000 a month free. Call with a registered agent credential). Past the allowance it is throttled, never cut off. An unrecognised credential is never silently downgraded: the response says key_rejected and why.
Also available as an npm SDK (oceanalt-aml), an MCP server (npx oceanalt-aml-mcp, registry com.oceanalt/aml), a Telegram bot (@OceanAltTrust_Bot), and an embeddable widget.
The compliance gateway runs 11 gates before settlement: attribution, mandate limits, payee allowlist, AML screening, replay protection and more.
Machine-readable capability list: https://oceanalt.com/.well-known/agent-capabilities. It also states what OceanAlt cannot do.
Important boundary: a verdict of "clear" means nothing was found in the data held, not that an address is safe. Absence of evidence is not evidence of safety.
The future of money will increasingly move through Agents.
OceanAlt — Bringing AI agents safely into the real financial world.
Your agent just paid 186 USDC. How do you know it paid the right party?
186 USDC · 00/11
About to pay
·
What brings you here
Every one of these is live and clickable today.
Payments and investigations: verifying an address
Screening a payee you don't know
Anyone, at the last step before sending money.
Is this address a scammer, on a sanctions list, or downstream of a mixer?
Case work and fund tracing
Lawyers, investigators and victims who need on-chain facts pinned down.
Court filings, police reports and recovery claims don't run on screenshots; they need evidence with sources, verifiable offline.
Compliance review at a payment company
Compliance officers at licensed payment firms and crypto acquirers, reviewing customers and past payments, or letting their own agent run the first pass.
A customer address with no traceable background; asked about a past payment, holding only today's list with no proof of the state on the day.
Protecting readers on your own site
Media, directories and tutorial sites where readers pay addresses shown on the page.
A poisoned page, a fake address in the comments, and a reader who lost money coming back to you.
AI assistants and agent products
When your agent shops and pays for you
Personal AI assistants like Muse already book tables, trips and orders. Connect a wallet and it spends real money.
Nobody screens the payee, the agent gets steered by on-page text, and what it signs isn't what it thinks it is.
Handing a spending agent its keys
A developer or platform letting an AI pay, without handing it unlimited authority.
Leaked credentials, prompt injection, a runaway amount, money going to the wrong party.
Pay-per-call on x402 or MCP
An agent paying per API call, or your service charging agents.
An unknown counterparty, paying without getting served, or taking in money of unknown origin.
Choosing an agent-payment protocol
Choosing between x402, AP2, ACP and MPP.
Every site claims to be safe and compliant, with no common yardstick to compare them.
Trading, payments and financial services
Pre-trade checks in OTC
Over-the-counter trades where a counterparty sends you an address before you move.
Receiving tainted funds, a later exchange freeze, and no answer for where the money came from.
Deposit screening for exchanges & dApps
Exchanges, dApps and projects, at the moment a user deposit lands.
Taking in stolen or mixer-routed funds, then facing freezes and questions with nothing to show the user.
Pre-send checks inside a wallet
Wallet and front-end developers, the half second before a user hits Send.
A user pays a phishing address and blames the wallet first. The free check takes one line of code.
Outbound checks for trading bots
Quant and on-chain strategies, right before a bot pays a counterparty or withdraws to the main wallet.
A counterparty got listed yesterday and nobody noticed; one transfer can drag the whole account into a compliance incident.
Cross-border procurement & trade settlement
Trade and e-commerce teams settling suppliers in stablecoins, or a procurement agent ordering on rules.
A supplier's payout address changed unnoticed, an over-budget order, a duplicate payment same day.
Treasury and multisig pre-flight
A DAO treasury or corporate multisig, after approval and before signing.
A swapped payout address, a sanctioned recipient, discovered only after signing.
Pre-settlement screening for a PSP
A payment gateway or crypto acquirer that needs AML before settlement.
No evidence when a regulator asks, a silent pass when screening fails, an inconsistent verdict.
Seven lines, right now
# Ask before you pay: can this payee be paid?
curl "https://oceanalt.com/api/risk?addr=0x8589427373D6D84E98730D7795D8f6f8731FDA16"
# → {"verdict":"risky","risk":100,"blocked":true,
# "signal_keys":["list.mixer"],
# "advice":"Decline. This address is sanctioned…",
# "evidence":[{"url":"https://etherscan.io/address/0x8589…"}]}60/min
5,000/mo
Slows down past the allowance
Industry Insights & Commentary
More →Every piece carries our own read.

Six Banks Publish Voluntary Guardrails for Agentic Commerce, But Lack Enforcement Teeth
Six banks jointly released security guardrails for agentic commerce, but their voluntary nature raises doubts about enforcement, leaving pre-settlement compliance gaps unaddressed.

South Korea's President Confirms AI Role in Attacks on Seven Financial Firms: A Look at the Attack Chain

Fireblocks Breaks Down the Full AI Agent Payment Chain: Custody and Policy Engines Are the Real Battleground
Fireblocks has released its Agentic Payments Suite and publicly detailed the end-to-end execution mechanism, pushing agent payments from 'can it pay' to the infrastructure layer of 'who authorizes, who custodies, who intercepts.'

Cloudflare Adds a Paywall to MCP Tools: Who Signs Off on an Agent's Right to Spend?
Cloudflare is bringing paid access into MCP tool calls, turning 'who authorizes, who sets limits, who intercepts before settlement' from an engineering detail into foundational infrastructure for agent payments.

Mastercard Launches Agentic Commerce Trust Services as Card Networks Begin Issuing 'IDs' to AI Agents
After opening Agent payment rails, Mastercard shifts its focus to the identity and authorization layer: when the payer is no longer a human, what card networks must resolve is 'who is paying, on what authority, and whether this payment should happen at all.'

Robinhood Lets AI Agents Trade Without Per-Order Approval — and Clients Bear the Losses
Robinhood has brought AI agents into its main app, with per-order approval on by default and one-click opt-out. With over 150,000 agent accounts and more than $100 million in assets, the lines of accountability are blurring.
Latest intelligence
- Anthropic AI Agent Sends False Emergency Tip, Raising Safety Concerns
- BNY Builds Performance Review System for Its ~140 AI Digital Employees
- Cryptographer Matthew Green: 15% Chance Public-Key Encryption Falls to AI
- PYMNTS Study: 59% of Firms Using Three or More AI Tools Stop Fraud Before Losses Occur
- HSBC and Ant Digital Test Tokenised Deposits for AI Agent Micropayments
Standards & trust
From the framework to ratings and the trusted registry to runnable experiments. Every item is checkable.
Put a compliance firewall in front of your agent
Register an agent, set its mandate (limits / allowlist / purpose), let every gate rule on a payment before settlement, and wire in x402 preflight and address screening, all from one entry.
Responsible Agentic Payments
Seven pillars: attribution, mandate, firewall, AML, auditability, privacy, interoperability.
Trusted registry
Registered services and their compliance status.
KYA | Know Your Agent
An agent's identity, operator, mandate and revocation, enforced before money leaves.
Experiments & evidence
The agentic payments map
An agent payment moves through 5 core stages. Click through for the full 8-node agent economy map. Open the full map →
Contact & subscribe
See all →Subscribe to the OceanAlt Brief
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