Relying party · Financial institutions
Agent mandates for banks
An AI assistant triggers a payment from a customer's account. Does your current power-of-attorney check meet FINMA's expectation of traceable authorization?
Banks have known powers of attorney for centuries — on paper, with a signature card. Agents need the same rigour at machine speed: state-anchored identity (Swiss trust infrastructure expected from H1 2027, the federal E-ID date left open), defined limits, escalation to the customer above a threshold, and an evidence chain that survives an audit.
Use cases
payment.initiate with step-up
Autonomous up to CHF 200, above that a wallet push to the customer — 600 s timeout, deny as the default.
Four-eyes for corporate clients
Org mandates above the threshold need two authorized signatories — enforced by a database trigger, not a checkbox.
Audit export
Evidence export per customer/period with an integrity root — fit for Art. 12/19 (AI Act) and FinSA documentation duties.
ROI argument
Agent payments without a new liability inventory: the acceptance policy (LoA high, amount limits) stays with you, the proof sits with both sides.
Mandates bind order, amount and counterparty to a signature — checkable via /v1/verify. (The OAuth/RAR bridge is a preview and currently disabled.)