Real use cases. Real agent flows.

How your AI agents work with moov -- securely, verified, and ready for production.

👤

New Agent Platform Onboarding Coming Soon

A customer's AI agent needs to access moov's Accounts API and payment infrastructure for the first time.

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AI Agents Without AgentPass

  1. Developer creates moov API keys manually
  2. Keys stored in config files or env vars
  3. Any process with the key has full access to moov's APIs
  4. No way to distinguish between agents hitting the same account
  5. If key leaks, full access to transfers, wallets, and card issuing

With AgentPass + moov

  1. Customer issues agent certificate from their CA
  2. Sets trust level L2 and scopes: sanctions:search, transfers:initiate
  3. Agent presents cert on first call to moov
  4. AgentPass verifies identity before moov processes the request
  5. Agent is live -- identity bound, scoped to specific moov APIs, audited
AgentPass MCPS Signing moov Accounts
Result: Agent onboarded in under 5 minutes. Verified identity on every moov API call. No shared keys. Revocable instantly. Coming soon.
🔍

Automated Sanctions Screening Live

AI agent screens every counterparty against OFAC, EU, and UK HMT via moov's Watchman before payment release.

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AI Agents Without AgentPass

  1. Compliance analyst manually searches moov Watchman
  2. Checks each counterparty name one by one
  3. Logs results in a spreadsheet or ticket
  4. Takes hours for batch screening
  5. Audit trail is email threads and screenshots

With AgentPass + moov Watchman

  1. Agent presents L2+ cert with sanctions:search scope
  2. AgentPass verifies identity at the gate
  3. moov Watchman screens entity against OFAC, EU, UK HMT lists
  4. MCPS signs the Watchman result -- tamper-proof
  5. Hash-chained audit: agent ID, trust level, timestamp, Watchman result
AgentPass moov Watchman MCPS Signing
Result: High-throughput screening via moov Watchman. Every result signed. Every agent identified. Regulators get proof. This use case is LIVE in moov Watchman today.
💰

Agent-Initiated ACH Payment Coming Soon

AI agent screens sanctions via moov Watchman, clears the counterparty, and initiates an ACH transfer via moov's same-day ACH.

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AI Agents Without AgentPass

  1. Developer scripts moov ACH initiation with API key
  2. No sanctions check before payment
  3. No identity on who initiated the moov transfer
  4. If script goes rogue, unlimited ACH debits/credits
  5. Compliance finds out after the fact

With AgentPass + moov ACH

  1. Agent presents cert with transfers:initiate scope
  2. AgentPass checks trust level (L3+ required for payments)
  3. Agent screens recipient via moov Watchman first
  4. Sanctions clear -- agent initiates same-day ACH via moov
  5. Transfer request signed by MCPS
  6. Full audit: Watchman result + moov transfer ID + agent ID + trust level
AgentPass moov Watchman moov ACH MCPS Signing
Result: Watchman screen + moov ACH transfer in a single agent workflow. Signed, verified, audited. Trust-gated so only L3+ agents can initiate payments. Watchman is live; ACH integration coming soon.
🔄

Agent-to-Agent Transactions Coming Soon

One AI agent pays another AI agent's service via moov wallets -- both must prove identity before the transfer.

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AI Agents Without AgentPass

  1. Agent A calls Agent B's API with a shared key
  2. Neither agent verifies the other's identity
  3. moov wallet transfer initiated with no mutual trust
  4. Man-in-the-middle can intercept or redirect
  5. No proof of which agent authorised the wallet transfer

With AgentPass + moov Wallets

  1. Agent A presents cert to moov (L3, transfers:initiate)
  2. Agent B's identity verified via cert (L2, services:provide)
  3. Both identities bound to the moov wallet transfer
  4. MCPS signs the transfer record
  5. Audit trail: who paid whom, trust levels, moov transfer ID, timestamps
AgentPass MCPS Signing moov Wallets
Result: Mutual identity verification via moov wallets. Both agents authenticated. Transaction signed. moov's instant wallet-to-wallet transfers with verified agent identity. Coming soon.
💳

Agent Virtual Card Issuance Coming Soon

AI procurement agent issues virtual cards via moov's card issuing to pay suppliers with trust-gated spend controls.

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AI Agents Without AgentPass

  1. Agent given a real card number in config
  2. No spending controls beyond the moov card limit
  3. Agent enters a loop -- unlimited charges
  4. Card number in plaintext in config files
  5. No way to trace which agent spent what

With AgentPass + moov Card Issuing

  1. Agent presents cert with cards:issue scope
  2. Trust level determines max spend (e.g. L2=$500, L3=$5K, L4=$50K)
  3. Agent issues single-use virtual card via moov for each purchase
  4. moov card bound to agent identity -- traceable
  5. Spend anomaly = instant cert revocation
AgentPass MCPS Signing moov Card Issuing
Result: Agent-issued moov cards with trust-gated spend limits. No shared card numbers. Each card traceable to the verified agent that issued it. Coming soon.
📈

Automated Loan Repayments

AI agent processes recurring loan repayments, screens borrowers each cycle, and flags changes.

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AI Agents Without AgentPass

  1. Batch process runs monthly with service account
  2. Same credentials process all borrowers
  3. No per-cycle sanctions re-screening
  4. If borrower gets sanctioned mid-term, missed
  5. Audit = log files nobody reads

With AgentPass

  1. Agent presents cert each cycle (persistent identity)
  2. Screens borrower against sanctions EVERY payment
  3. Sanctions clear -- processes repayment via ACH
  4. Borrower newly sanctioned -- payment blocked, alert raised
  5. Every cycle: agent ID, screen result, payment status, hash-chained
AgentPass sanctions screening ACH
Result: Continuous compliance, not point-in-time. Same verified agent across every cycle. Sanctions status checked on every single payment.
📒

Payment Reconciliation

AI agent reconciles transactions across ledger, bank statements, and accounting systems.

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AI Agents Without AgentPass

  1. Finance team manually matches transactions
  2. Export CSVs, compare in spreadsheets
  3. Discrepancies found days or weeks later
  4. No real-time visibility into mismatches

With AgentPass

  1. Recon agent presents cert with ledger:read scope
  2. Read-only access -- L1 trust sufficient
  3. Matches transactions in real time across systems
  4. Flags discrepancies immediately
  5. Cannot modify ledger (no ledger:write scope)
AgentPass
Result: Real-time reconciliation by a scoped, read-only agent. Can read everything, change nothing. Scope enforcement prevents accidental writes.
📋

Automated Merchant Onboarding (KYC/KYB) Coming Soon

AI agent collects merchant documents, screens via moov Watchman, runs verification, and provisions a moov account.

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AI Agents Without AgentPass

  1. Merchant fills out forms manually
  2. Compliance team reviews documents
  3. Back and forth emails for missing info
  4. 3-14 days to go live on moov
  5. Human bottleneck at scale

With AgentPass + moov Accounts

  1. Onboarding agent (L3, merchants:onboard scope) collects docs
  2. Screens merchant against sanctions via moov Watchman
  3. Runs KYC/KYB verification via moov's verification API
  4. Provisions merchant account on moov
  5. Agent identity recorded -- who onboarded whom, when, which checks passed
AgentPass moov Watchman moov Accounts
Result: Merchant onboarded to moov in minutes, not weeks. Watchman screening + KYC/KYB + account provisioning in a single agent workflow. Coming soon.
⚡

High-Volume Instant Payouts Coming Soon

AI agent processes thousands of micro-payouts to drivers, gig workers, or contractors via moov's RTP and push-to-card.

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AI Agents Without AgentPass

  1. Batch payout script with admin moov API key
  2. All payouts processed under one identity
  3. No per-payout sanctions check
  4. Script bug = overpayment to thousands via moov RTP
  5. Forensics: "the script did it"

With AgentPass + moov Payouts

  1. Payout agent presents cert (L3, payouts:send)
  2. Each recipient screened via moov Watchman
  3. Trust level caps payout amount per agent
  4. Agent sends via moov RTP (instant) or push-to-card (Visa Direct / Mastercard Send)
  5. Each payout signed individually by MCPS
AgentPass moov Watchman moov RTP MCPS Signing
Result: Thousands of verified payouts per minute via moov RTP and push-to-card. Each one Watchman-screened, signed, and traceable. Trust-gated amounts prevent runaway agents. Coming soon.
🚨

Real-Time Fraud Monitoring

AI fraud agent monitors transaction patterns and blocks suspicious activity in real time.

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AI Agents Without AgentPass

  1. Rules-based fraud engine with static thresholds
  2. High false positive rate
  3. Manual review queue grows faster than team
  4. Fraud detected hours or days after the fact

With AgentPass

  1. Fraud agent (L4, transactions:monitor, transactions:block)
  2. Monitors all transactions in real time
  3. Suspicious pattern detected -- agent blocks transaction
  4. Block action signed by MCPS, identity recorded
  5. Compliance can verify: which agent blocked, why, when
AgentPass MCPS Signing
Result: AI fraud agent with highest trust (L4) monitors and blocks in milliseconds. Every block action is signed and traceable. Compliance can audit every decision.
Ten use cases. One identity layer.
Sanctions screening is live.

AgentPass + MCPS are live in moov Watchman today. The same identity and signing layer extends across moov's full stack -- ACH, wallets, card issuing, RTP, push-to-card, and accounts -- as moov expands agent access across the platform.

Try the Live Demo