Payman
AI pays humans for tasks, simplifying AI workflows.. [Contact for Pricing]
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What is Payman?
Payman AI is an agentic AI platform that enables AI agents to execute real banking transactions including payments, transfers, and account analysis through voice or text commands. It acts as a secure financial layer between AI agents and money, working on existing banking rails without requiring banks to replace their infrastructure. The platform is SOC 2 certified and designed specifically for regulated financial institutions.
Key features include natural language processing where users can say commands like 'Pay my electric bill' and receive instant execution with confirmation, programmable policy enforcement where every action validates against user-defined rules before execution, complete audit trails with immutable execution traces showing customer requests, AI reasoning, policy checks, and authorization flows, and integration with core banking systems including FIS, Fiserv, Jack Henry, and COCC. The platform supports USD wallets for US-based users, USDC wallets for international users, and test wallets with 1000 TSD for simulation.
Payman is designed for banks and financial institutions wanting to deploy AI agents securely at scale, developers building AI assistants or automated payroll systems, and users who want AI agents to move money safely with human oversight. It offers both a no-code dashboard for users and TypeScript/Python SDKs for developers. The platform captures intent data showing financial goals, life events, and friction points visible in real-time on the Payman dashboard.
Payman pricing
Pricing model: Freemium
FREE tier with 500 requests per day available. No subscription required to create or use wallets. All wallets are managed directly from the Payman Dashboard after registration. Invite codes are required for secure onboarding during early access phase. For enterprise plans and custom pricing, banks should contact sales through the website. Test wallet with 1000 TSD provided free for simulation purposes.
Payman pros
- SOC 2 certified with independently certified security controls
- Executes real banking transactions through voice or text commands
- Works on existing banking rails without replacing infrastructure
- Programmable policy enforcement before any money moves
- Complete immutable audit trails with full execution traces
- Integrates with FIS, Fiserv, Jack Henry, COCC core banking systems
- Supports both USD and USDC wallets for domestic and international users
- Test wallet with 1000 TSD for safe simulation before going live
- No-code dashboard available for users without programming skills
- TypeScript and Python SDKs for programmatic control
- Captures intent data showing why transactions happen not just what
- KYC, BSA, and AML compliant for regulated institutions
- White-label deployment with your brand and interface
- Deployable in weeks through standard API integration
- Human approval workflows for transactions exceeding policy limits
- Available on GCP or Azure cloud environments per your choice
- Real-time dashboard showing customer financial goals and friction points
Payman cons
- Invite code required to access platform during early access phase
- Limited to US-based users for USD wallet real transactions
- Must request invite code before registration on dashboard
- No public pricing information available on website
- Primarily designed for banks not individual consumers
- Requires integration with existing core banking systems
- Early access phase means controlled access not open availability
- OAuth for end users requires separate approval process
- Focus on regulated institutions may limit startup accessibility
Frequently asked questions about Payman
What is Payman AI?
Payman AI is a secure financial infrastructure platform that enables AI agents to safely execute real banking transactions including payments, transfers, and account analysis. It acts as a secure financial layer between AI and money, with every payment governed by user-defined policies so nothing moves without oversight. The platform is SOC 2 certified and designed for regulated financial institutions.
How does payman.ask() work?
payman.ask() is the core function where you send natural language instructions and the Payman Agent turns them into real actions. For example, 'Send $15 to Alice with note thanks for lunch' will create a payee, check wallet balance, apply policies, trigger payment, and send a response back all in one line. It handles the entire workflow automatically.
What wallets does Payman support?
Payman offers three wallet types: USD Wallet for US-based users for real USD transactions, USDC Wallet for both US and International users for real USDC stablecoin transactions, and Test Wallet (TSD) which comes pre-provisioned with 1000 TSD for simulation purposes so you can safely build and test before going live.
Who can use Payman AI?
Payman is built for banks and financial institutions wanting to deploy AI agents securely, developers building AI assistants or automated payment systems, and users who want AI agents to move money with human control. Users create wallets and define policies, developers build apps and use SDKs, and AI agents execute actions always under user-defined limits.
Is money safe with AI agents using Payman?
Yes, no money moves without your consent even when an AI agent is in charge. Every action validates against your policies before anything moves. The AI proposes but your policies decide. You receive notifications to approve or deny payment requests that exceed defined policies, ensuring you always have the final say with manual approval workflows.
What core banking systems does Payman integrate with?
Payman integrates with major core banking systems including FIS, Fiserv, Jack Henry, and COCC. It also supports digital platforms like Narmi, Q2, Alkami, and Candescent. The platform connects through standard APIs and deploys in weeks without replacing your existing systems, offering white-label deployment with your brand.
How does Payman handle compliance and auditing?
Every Payman action includes a complete immutable trace with customer request in exact words, AI reasoning, policy checks applied, authorization flow, and execution timestamp. The platform is SOC 2 certified, KYC, BSA, and AML compliant. You can answer 'why did this happen?' in seconds not days with full audit trails that are explainable by default.
What is the difference between today's banking AI and Payman?
Today's banking AI just talks and transfers you to someone who can help. With Payman, the AI actually executes the transaction. When you say 'Pay my electric bill', today's AI lets me transfer you, but Payman executes Done $142.50 to ConEd with confirmation sent. Payman is AI that does the banking not just talks about it.
How do I get started with Payman?
To get started, you must first request an invite code to ensure secure onboarding during early access. Once you receive your invite code, register on the Payman Dashboard, set up your USD or USDC wallets, define your spending policies, add payees, and begin using the platform. You can also use the Playground to test real prompts or explore the Dashboard Guide.
What channels does Payman support for customer interaction?
Payman supports seamless experience across voice, mobile, web, and SMS channels. Your brand and interface are maintained through the proprietary Paygent Studio. Customers can bank through conversation using their preferred channel, and the platform captures intent data from all conversations showing financial goals, life events, and friction points in real-time on your dashboard.