Trust infrastructure for people, businesses, and agents

SEDL

Identity, authority, and money movement for autonomous business.

Verify who can act. Define what they may do. Move money through regulated providers. Reconcile every event in one auditable system.

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People
Businesses
AI agents
Regulated providers

One trust plane

Know who is acting, why they are allowed, and where the money went.

Autonomous systems should not stitch identity, permissions, payments, compliance, and settlement together after the fact. SEDL keeps the complete chain of authority and evidence connected from the first instruction through final reconciliation.

Platform

Everything required to trust a real-world action.

A provider-neutral control layer for identity, authority, financial execution, and proof.

Identity

People, businesses, beneficial owners, and software agents connected in one verifiable identity graph.

KYC and KYB orchestration
Document and evidence custody
Persistent agent identity

Authority

Explicit mandates define who may act, for whom, within which limits, and for how long.

Roles, scopes, and spend limits
Approval and escalation policies
Immediate revocation

Payments

Provider-neutral payment intents route to the right regulated account, custody, or money-movement partner.

Pay-ins, payouts, and transfers
Wallet and account adapters
Cards, billing, and collection paths

Ledger and settlement

Double-entry records connect authorization, execution, fees, reversals, and final settlement.

Immutable transaction history
Multi-provider reconciliation
Balances, fees, and settlement states

Compliance and disputes

Policy checks and evidence travel with the transaction instead of living in a disconnected review queue.

AML and sanctions integrations
Monitoring and exception handling
Disputes, refunds, and audit trails

Control plane

Agents can act. Authority remains explicit.

SEDL evaluates identity, mandate, policy, destination, and available limits before an external financial action proceeds. Every decision produces durable evidence.

VerifyResolve the principal, business, agent, and destination.
MandateApply the exact scope, amount, duration, and approval policy.
ExecuteRoute the authorized action through the configured provider.
ProveLedger, reconcile, monitor, and retain the decision record.

Principal: Northstar Holdings Ltd.
Actor: Operations agent / gwen-seat-04
Mandate: Approved vendors, up to $5,000 monthly
Requested action: Transfer $842.17 to verified destination
Policy checks: Identity current Limit available Destination allowed
Execution: Queued through configured regulated provider
Audit event: sedl_evt_01J9K84N6Y

Conceptual early-access control plane

Built for every principal

One policy model across human and autonomous work.

People

Portable identity, consent, roles, approvals, and a clear record of delegated actions.

Businesses

KYB, beneficial ownership, treasury controls, provider access, and operational accountability.

Agents

Persistent identity, scoped credentials, spend mandates, revocation, and action-level observability.

Platforms

A unified API for onboarding, authorization, payments, ledger events, reconciliation, and compliance evidence.

Developer platform

One intent in. One auditable outcome out.

Integrate once, keep provider credentials out of agent runtimes, and preserve a consistent authority model as banking, identity, custody, and payment partners change.

Tenant-scoped API keys and short-lived grants
Idempotent intents, webhooks, retries, and reconciliation
Provider adapters behind a stable SEDL contract
Decision evidence attached to every external effect

POST /v1/payment-intents

{
  "principal_id": "biz_northstar",
  "actor_id": "agent_operations_04",
  "mandate_id": "mandate_vendor_pay",
  "amount": 84217,
  "currency": "CAD",
  "destination_id": "dest_verified_18"
}

202 Accepted
{
  "status": "authorized",
  "audit_event": "sedl_evt_01J9K84N6Y"
}

Security architecture

Separated where trust demands separation.

SEDL is being built as one product with isolated security domains, not one database containing every sensitive concern.

Identity vault

PII and verification evidence

Dedicated encryption, access roles, retention policies, and short-lived document access.

Authority service

Mandates and policy decisions

Scoped delegation, approval inheritance, expiration, revocation, and signed decision records.

Financial ledger

Balances and settlement

Append-only double-entry records, provider reconciliation, and independent audit streams.

Initial use cases

Agent-run business operations

Let software procure, bill, pay, and reconcile within explicit company policy.

Funding and investment platforms

Connect issuer and investor identity, authority, funds flow, and compliance evidence.

Marketplaces and platforms

Onboard participants, control delegated actions, route money, and resolve exceptions.

Autonomous commerce

Give buying and selling agents verifiable identity, bounded authority, and accountable settlement.

Early access

Build the trust layer before agents touch real money.

SEDL is onboarding design partners with agent workflows, marketplace funds flow, regulated onboarding, or multi-provider settlement requirements.

Request early access