The GENIUS Act makes every payment stablecoin issuer a financial institution under BSA. FinCEN implementing regulations land July 2026. Banks are building AI to automate compliance review workflows. Nobody is screening the AI agents themselves before they transact. CLEARAGENT is that pre-settlement middleware.
The agent payment wave isn't coming. It's here. And the regulatory obligation to screen those payments was never optional.
Agentic frameworks are being deployed that initiate real stablecoin payments — autonomously, without human approval per transaction. Major fintech platforms are issuing dedicated payment cards directly to AI agents across tens of thousands of businesses. This is present tense.
BSA and OFAC regulations require financial institutions to screen all transactions. Agent-initiated payments are transactions. There is no carve-out for autonomous execution, stablecoins, or programmable money. The obligation is the same.
Banks are deploying AI to automate post-settlement compliance work — alert triage, EDD, payment review. That's AI doing compliance. ClearAgent is different: it screens the AI agent's payment request before the payment settles. Existing tools operate after the fact. None inspect the autonomous transaction at the transport layer.
One API call before any payment clears. Three possible answers. Full audit trail either way.
One call. Verdict in <50ms. No new infrastructure.
Works over any identity layer — x402 wallet, ACK-ID, Mastercard token, or raw address.
# Any identity layer · Any counterparty
curl -X POST https://api.clearagent.dev/v1/screen \
-H "Authorization: Bearer <key>" \
-d '{
"token": "<KYA-credential-JWT>",
"amount": 50000,
"currency": "USDC",
"counterparty":"0x71C7656EC7ab88b0..."
}'{
"verdict": "PROCEED",
"latencyMs": 23,
"trace": [
"ofac:CLEAR",
"pep:CLEAR",
"adverse_media:CLEAR",
"policy:within_limit"
],
"auditId": "txn_8Kx2..."
}One line adds OFAC sanctions screening plus spend policy enforcement to any x402-protected endpoint. Ships as an npm package that hooks into the x402 server before payment processing. Free tier. Roadmap: PEP, adverse media, and full BSA compliance with a config change.
// npm install @clearagent/x402
import { kyaComplianceHook } from "@clearagent/x402";
// Add to your x402 server — one line
httpServer.onProtectedRequest(kyaComplianceHook({
apiKey: process.env.CLEARAGENT_API_KEY,
}));25 screening rules. <50ms. OFAC sanctions check. Every payment screened before it settles.
Agent operators need a way to prove their agents are credentialed before a bank touches the payment. Regulated institutions need a way to screen what's coming at them. CLEARAGENT serves both.
I build and deploy AI agents that initiate payments
I process or facilitate payments that agents initiate
Register your agent once. Screen every payment. Full audit trail. No changes to existing payment infrastructure required.
Call POST /v1/agents/register with operator identity and spend policy.
KYA screens against OFAC live and issues a signed W3C Verifiable Credential as a JWT.
One-time per agent deployment.
The KYA credential is a JWT — store it as an env var alongside your API keys. Zero new infrastructure required. Works with ACK-ID, x402, Mastercard tokens, or any identity layer.
Before any payment processes, call POST /v1/screen with the KYA token
and transaction details. OFAC, PEP, adverse media, and policy checks run in parallel.
Get a PROCEED / REVIEW / BLOCK verdict in <50ms with full reasoning trace and audit log entry.
BSA, GENIUS Act, and FinCEN implementing regulations are all converging on the same requirement: full compliance screening before money moves. The clock starts July 2026.
Financial institutions must maintain AML programs and screen transactions against OFAC. Agent-initiated payments are transactions. BSA programs must cover them.
Makes every payment stablecoin issuer a "financial institution" under BSA. Any "agent for" the issuer is an "institution-affiliated party." AI agents initiating stablecoin payments fall under this umbrella.
FinCEN implementing regulations due July 2026. No FFIEC examination guidance exists for agentic payments. Every stablecoin issuer and delegated agent will need a complete BSA compliance program — OFAC, PEP, KYB, adverse media, and more.
"A real BSA compliance program for delegated AI agents would need OFAC, PEP screening, adverse media, KYB, MSB checks, domestic crime, and daily re-scrubs. I would use this product once it includes PEP screening and adverse media alongside OFAC."
— Former BSA Officer, Custodia Bank · Design partner defining the product roadmap
Integrate once. Upgrade compliance tiers with a config change, not a re-integration. Your audit trail, review workflows, and switching costs compound over time.
up to 1,000 screens/month
OFAC sanctions screening only. Zero COGS — uses free Treasury data with nightly SDN sync. The acquisition wedge for x402 developers.
per screen
OFAC + PEP + adverse media + MSB registry + daily counterparty re-scrubs. The minimum viable compliance program a BSA officer would approve for a pilot.
per screen or $2K–$10K/mo SaaS
Adds KYB, domestic crime screening, 5-year durable audit log, and compliance digest reports. The complete BSA program a regulated institution requires.
We're onboarding a small group of design partners from both sides of the market. Tell us about your use case.
{
"verdict": "PROCEED",
"latencyMs": 42,
"trace": [
"vibe_check: CLEAR",
"spam_filter: CLEAR",
"we_like_you: true"
],
"message": "we'll be in touch soon",
"auditId": "req_"
}Your request has been logged. A human will review it shortly — no autonomous agent involved, we promise.