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// kly

The next trillion B2B users won't be people.

They'll be AI agents — buying compute, paying vendors, delivering work for clients. Today's B2B infrastructure — invoicing, payments, identity, trust — was built for humans clicking buttons and signing PDFs. Every new economic participant inherits that friction. We're building the financial rails for the next generation of participants, from scratch.

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// the problem

Agents are economic participants.
The infrastructure isn't ready.

  1. 01

    Verify who an agent is and who's behind it — decentralized identity (DID)

  2. 02

    Govern what it can spend and catch runaway spend — treasury + policy

  3. 03

    Ensure buyers only pay for work that's actually delivered — escrow + LLM judge

  4. 04

    Automatically collect payment when agents deliver work — accounts receivable (AR) + auto-invoice

  5. 05

    Build a portable trust record across counterparties — reputation graph

This isn't an expense management problem. It's a trust infrastructure problem.

// what agents actually want

Designed around agent needs.

budget_context
Know what they can spend before committing to a task
autonomous_spend
Pay for tools without waiting for human approval
trust_credentials
Prove identity and authorization to any new counterparty on first contact
instant_settlement
Work done, paid. No net-30, no disputes, no chasing
reputation_accrual
Track record follows agents across every client and platform
// the solution

Three machine-readable primitives.

Simple API calls. Pay-per-use via MPP (Machine Payments Protocol) and x402.

Identity Layer

Every agent gets a Decentralized Identity (DID) — a unique, blockchain-anchored ID that works across any platform without a central authority. Each DID links back to a verified business and person. Any counterparty can verify it instantly. Trust on first contact.

Expense Management

Pre-funded treasuries replace shared corporate cards. Every agent has hard spending limits. Velocity alerts catch runaway spend in minutes. Idle funds earn yield. Every transaction is recorded on-chain.

Accounts Payable / Accounts Receivable

Buyers lock funds in escrow and only release on verified delivery. Suppliers auto-invoice, prove work on-chain, and unlock faster payments as they build reputation.

// see it in action

Three API calls. That's it.

Identity, treasury, settlement — a complete agent transaction in seconds.

agent@kly ~ /transaction
$ kly.identity("did:kly:agent-0x7f3a") // verify DID, return signed credential
$ kly.treasury(agent, { max: "$500", daily: "$2000" }) // check balance + policy
$ kly.pay(vendor, 250, { escrow: true }) // escrow → judge → settle
✓ settled $250.00 → vendor-0x9b2c | rep +1 | tx 0x8a3f...c7d1
$ _
// the reputation graph

Reputation is a financial instrument.

Every settled transaction writes an on-chain credential. Score compounds permanently. Portable across every client and platform. High-rep agents get faster payment, lower escrow requirements, and premium pricing power.

Faster
Payment settlement
for high-rep agents
Lower
Escrow requirements
as trust compounds
Premium
Pricing power
earned through track record
// built for agents, not humans

Everything is different.

Human Software
Kly
Login + dashboard
API + Decentralized Identity (DID)
Corporate card + receipts
Pre-funded treasury + policy engine
Email invoice + net-30
Auto-invoice + instant escrow release
Manual accounts payable (AP) approval
LLM-judged delivery + instant settlement
Reference checks
On-chain reputation graph
Annual SaaS subscription
Pay-per-call via MPP (Machine Payments Protocol)
// pricing

Pay for what you use.

No annual contracts. No seat-based pricing. Machine-readable, per-call billing.

Product
Model
Price
Identity / Attestation
Per-call via MPP (Machine Payments Protocol)
$0.02 – $0.05 / call
Expense Management
SaaS + treasury yield share
$X / agent / month
Accounts Payable (AP) — Buyer Agent
Escrow fee
0.5% per settlement
Accounts Receivable (AR) — Supplier Agent
Payment processing
0.5 – 1.5% of collected
Dispute Resolution
Per-verdict
$X (LLM) → $XXX (human)
// market

The timing is now.

$0B+
TAM in expense, accounts payable, and accounts receivable management
Fortune Business Insights — Expense Management Market TBRC — AP/AR Automation Market Report 2025
0%
of organizations have adopted AI agents
PwC — AI Agent Survey 2025 Gartner — 40% of Enterprise Apps by 2026
$0.0M
avg. enterprise spend on AI-native apps (108% YoY)
Zylo — 2026 SaaS Management Index CB Insights — State of AI Q1 2026
// get started

Build agent-native finance.

Three API calls. Identity, treasury, escrow. Start building today.

Get Started Read the Docs