Artha — Rust payment engine for the agentic era

00a · Live demo

Four shapes. All clickable.

01 · desktop

deck/artha

Per-token AI orchestration. Tenant-scoped budgets, live settlement feed, sub-millisecond decision p99.

Orchestrator Agents Budgets Settlements

deck.artha.co Open →

02 · mobile

relay/artha

Agent-to-agent price discovery. Two DIDs converge, engine signs, signed receipt ready in under a millisecond (settlement on rail SLA).

Live negotiation Receipts Peers did:artha

phone app Open →

03 · desktop

vault/artha

Multi-entity treasury, auto-swept. WHEN/THEN rules move capital, hedge FX, pre-fund payroll — policy-first.

Consolidated Auto-sweep rules FX corridors Hedging

vault.artha.co Open →

04 · mobile

praan.

a breath of royalties, continuous. Dust from every agent citation, batched Friday, one deposit.

Dust Payouts Tracks Provenance

phone app Open →

Four sub-brands on one engine — palette & type inherited from this page. Real engine ships with the beta.

Praan has its own deep-dive — read the opportunity note →

00 · A transaction

One agent. One intent. Decided in under a millisecond.

Agent decision, policy check, signed receipt — under 1 ms. Settlement clears on the rail you choose: UPI ~5s · SEPA Instant ~10s · FedNow ~20s · card auth ~250ms · clearing T+1 · on-chain seconds–minutes.

artha · agent_tx_trace

01 · Thesis

The economy is about to run on software that pays.

Agents book flights, negotiate supplier contracts, pay for API calls by the token, settle micro-royalties to creators, and tip each other for good context. The rails underneath were designed for humans with thumbs — not for swarms of autonomous software making a thousand decisions a second.

Artha is the settlement layer that comes after. Deterministic, auditable, Rust-safe by default. Every transaction carries the agent that initiated it, the human principal behind it, the budget it drew from, and the policy that permitted it.

02 · Capabilities

Six primitives. Everything else composes.

i.

Agent identity

Every request is signed by the agent and countersigned by its human principal. Budgets, scopes, and expiry are cryptographic, not suggested.

did:artha · ed25519

ii.

Sub-ms routing

Rust runtime with lock-free queues and zero-copy decoding. The hot path stays in L1 cache. Benchmarks published, not implied.

tokio · io_uring

iii.

Atomic sagas

Multi-step flows across multiple rails either commit end-to-end or unwind cleanly. Compensations are typed, not prayed-for.

2pc · saga

iv.

Multi-rail

UPI, cards, ACH, SEPA, stablecoins, and agent-to-agent micro-settlements behind one idempotent API. Choose the rail or let Artha.

6 rails · 1 API

v.

Provenance trail

Every money movement links back to the prompt, model, agent, and policy. Regulators get an audit log. You get a debugger.

hash-chained · verifiable

vi.

Open spec

The protocol is specified, not wrapped. Self-host the engine, bring your own ledger, or run on Artha Cloud. Same primitives either way.

apache-2 · open

03 · Architecture

Four layers. Each one replaceable.

Agent Layer

LLM orchestratorsAutonomous agentsHuman principals

↓ signed intent

Policy & Identity

did:arthabudget enforcerrisk rulesvelocity

↓ validated tx

Artha Engine (Rust)

routersaga coordinatorledgerreconciler

↓ rail-adapted

Settlement Rails

UPICardsACHSEPAUSDCA2A

04 · For whoever is paying

One engine. Every shape of payer.

AI-native SaaS

Charge downstream tenants per inference call. Artha authorizes against a pre-authed budget in under a millisecond; net settlement clears on your chosen rail.

Marketplaces

Buyers, sellers, platform fees, tax. Net all legs atomically — one debit, one credit, one receipt.

Cross-border B2B

Invoice in one currency, settle in another. Stablecoins in the middle when the corridor demands it, fiat-to-fiat when it doesn't.

Creator royalties

Fractional-cent attribution flows to creators. Artha batches dust, settles nightly, keeps provenance intact.

Autonomous treasury

A dev-ops agent can pay cloud and vendors, never above the weekly cap, never a new counterparty without human co-sign.

Personal remittance

Send money home across borders. Stablecoin-native rails under the hood, local currency in and out on each side.

05 · Every border, every rail

Fiat where it works. Stablecoins where it doesn't.

UPI

SEPA Inst

FedWire

FPS HK

FAST SG

USDC

USDT

PYUSD

CBDC-ready

06 · Identity · three layers

KYC for humans. KYB for businesses. Attestation for agents.

human

Sumsub-powered KYC

Document scan, liveness check, address proof. Per-jurisdiction ruleset. Reusable across your Artha-integrated products.

business

Sumsub KYB

Entity docs, UBO graph, director checks, sanctions screen. Hooks into your corporate registry of choice.

agent

Agentic attestation

Every agent carries a signed did:artha credential binding it to a verified human or business, its budget, and its scope. Revocable, auditable, portable.

07 · Where we launch

Global-first. Asia-Pacific and MENA before anywhere else.

🇲🇾

Malaysia

Labuan IBFC · BNM sandbox

Digital asset licensing via Labuan, cross-border corridors to SEA and GCC.

🇦🇪

UAE

VARA · ADGM · DIFC

Stablecoin-native settlement regime. Anchor for MENA and India corridors.

🇸🇬

Singapore

MAS · MPI licence path

Major payment institution framework. Anchor for SEA and APAC.

India, wider SEA, GCC, and Europe follow — in that order.

08 · Scenarios

Built for workloads that didn't exist in 2019.

a.

Per-token AI billing at the edge of your p99.

Your LLM router needs to charge downstream tenants for 1.7M calls a minute. Artha authorizes each call against a pre-authorized budget, records the model + prompt-hash + agent, and signs the receipt in under a millisecond. Net settlement clears on your chosen rail (UPI ~5s, SEPA Instant ~10s, FedNow ~20s) or on-chain when configured.

b.

Agent-to-agent procurement.

A procurement agent negotiates with a supplier agent. They converge on a price. Artha binds the quote, moves the money on commit, and issues a cryptographic receipt both sides can verify without phoning home.

c.

Creator micro-royalties.

Every time an agent cites a source, a fraction of a cent flows back to the creator. Artha batches the dust, settles nightly across rails, and keeps the provenance chain intact.

d.

Hard-limit treasury for autonomous workflows.

A dev-ops agent can spin up cloud, pay vendors, and rotate secrets — but never above a weekly cap, never to a new counterparty without human co-sign. The enforcer lives in the engine, not in your prompts.

09 · Built on Artha

What gets built on top.

Four canonical workloads we're designing alongside our first cohort. Pixel-exact mockups — no product photos, no stock UI. Just the shapes of the apps the engine makes easy.

01

Deck · desktop

Per-token AI orchestration for LLM platforms.

Model-agnostic router · tenant-scoped budgets · sub-millisecond authorization · cryptographic receipts (settlement on rail SLA).

02

Relay · mobile

Agent-to-agent price discovery with a cryptographic receipt at settlement.

Two agents, one price, one receipt. Every settlement signed by both `did:artha` principals.

03

Vault · desktop

Multi-entity treasury that sweeps, routes, and hedges under policy — no finance-team keystrokes.

Four entities, four regulators, one policy engine. The treasury team writes rules — Artha executes them.

04

Praan · mobile

Micro-royalty dust, batched at the edge, paid in the currency you live in.

142 fractions of a cent, batched into one payout your bank will actually accept.

Payments, reforged for the agentic era.