OceanAltOceanAlt

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.

DEMO REPLAY · REAL RULES · SAMPLE ADDRESS

All 11 gates are drawn; the two dashed ones are off by default and opt-in

Your agent just paid 186 USDC. How do you know it paid the right party?

186 USDC · 00/11

About to pay

·

CLEAREDA normal paymentbefore settlement · 0.4s
Research|Standards|Experiments|Data

Tools · live now

What brings you here

Every one of these is live and clickable today.

Payments and investigations: verifying an address4 scenarios
AI assistants and agent products4 scenarios
Trading, payments and financial services7 scenarios

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.

Trace the funds and taint →

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.

See how deposit screening works →

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.

One line, free API →

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.

Machine-readable /api/decide →

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.

Turn the rules into a mandate →

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.

Check before you sign →

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.

See the free API and evidence format →

Seven lines, right now

No signup · no key · copy and run

# 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

no signup. Call anonymously

5,000/mo

verify an email for a higher allowance

Slows down past the allowance

normal use is not cut off for simply going over

A registered agent credential unlocks a higher allowance. Abuse and anomalous use are excepted.

Full API docsnpm i oceanalt-amlnpx oceanalt-aml-mcpSDK and MCP, callable by an agent

Rather not open a page each time? Ask it in Telegram: @OceanAltTrust_Bot. Paste an address in a DM, or @-mention it in any group.

Industry Insights & Commentary

More →

Every piece carries our own read.

Agent Payments2026-10-103 min 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.

Agent Economy2026-10-074 min read

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

Agent Payments2026-10-075 min read

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.'

Agent Payments2026-10-054 min read

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.

Agent Payments2026-10-054 min read

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.'

Agent Economy2026-10-024 min read

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

Browse news →

Standards & trust

From the framework to ratings and the trusted registry to runnable experiments. Every item is checkable.

Product · Compliance gateway

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.

Connect the gateway →

Experiments & evidence

Mainnet payment path verifiedVerified: payment required → compliance pre-check → settlement → result

This is OceanAlt's own payment-path verification record: not customer transactions, not volume, not industry data.

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 →

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