Delivers sub-second pay-in-4 and installment-loan decisions at merchant checkout and inside agentic-commerce flows, balancing thin-file approval with first-party fraud and stacking risk.
Not yet specifiedSemi-autonomousComplexity: High
This agent is in the backlog. Registered interest decides which agents are specified and prototyped next.
What it does
Score checkout transactions using merchant, cart, device and repayment-history signals
Detect loan stacking and first-party fraud patterns
Set installment plan and limit per transaction
Authenticate consumer-delegated agent purchases under agent-payment protocols
Refer anomalous transactions to review
Systems and data it works with
BNPL decision engine
Merchant checkout/ACI-type gateways
Device intelligence
Google agent-payments protocol / Visa-Mastercard agentic rails