SAN FRANCISCO, Calif. — Kachyng Inc. today introduced KYA, or Know Your Agent, a compliance framework designed to help financial institutions, payment providers, and commerce platforms verify, authorize, and monitor AI agents before those agents are allowed to initiate activity on traditional payment rails.
The rise of AI agents creates a direct compliance problem for the financial system. Existing frameworks such as KYC, or Know Your Customer, and AML, or Anti-Money Laundering, were built for human beings and legal entities. They assume the party initiating a transaction can be tied to a person or company through documents, beneficial ownership records, and established risk controls.
AI agents do not fit neatly into those categories.
An AI agent may be acting on behalf of an individual, a business, or an internal workflow, but the agent itself is not a human customer. That creates a new trust gap. If an AI agent initiates a payment, subscription renewal, procurement request, or account-level action, financial institutions need a structured way to determine whether that agent is legitimate, who stands behind it, and whether it is operating within authorized limits.
KYA was designed to solve that problem. Kachyng's KYA framework works in three stages.
First, the agent is registered and issued a cryptographic identity through Kachyng's IDX, or Identity Exchange, binding the agent to its authorizing human or organization. This makes the agent identifiable and auditable from the moment it is created.
Second, authority is explicitly scoped. The authorizing party defines what the agent can do, including transaction types, spending thresholds, approved merchants or categories, geographic limits, and time-based constraints. These controls are not advisory. They are designed to be enforced.
Third, the framework provides continuous compliance visibility. Each relevant agent action can be monitored, logged, and reviewed so that institutions retain the level of transparency and auditability they expect in regulated commerce.
“KYA is our answer to a simple but critical question. If an AI agent is going to act inside the financial system, what is the compliance model for that actor? We believe the industry needs a framework that extends existing controls to agents without pretending agents are just another type of human customer.”
Kachyng designed KYA to work with existing compliance systems rather than replace them. The goal is to help institutions extend proven controls into a world where autonomous software begins participating directly in financial activity.
As agentic commerce moves from theory into deployment, Kachyng believes compliance infrastructure for non-human actors will become a core requirement for banks, processors, merchants, and enterprise platforms.
About Kachyng
Kachyng Inc. is building payment infrastructure for autonomous AI agents. Headquartered in San Francisco, Kachyng's A-Commerce platform — comprising IDX, AGX, KYA, and PRX — provides the trust, identity, authorization, and payment routing layer that enables AI agents to transact on traditional financial rails. www.kachyng.com