Regulatory & Custody

Your keys, your funds

Your money lives in your own wallet — a Safe smart account that belongs to you. Your keys live in your device's secure hardware (Secure Enclave on Mac, TPM on Linux, or the secure chip in your phone). Paygent never holds your funds or your keys, and never moves money for you. Every payment is approved and signed on your own device, by you.

Limits your agent can't cross

AI agents can be unpredictable, so Paygent never leaves one in charge of your money. You set the spending limits, and those limits are enforced by your device's hardware and by the blockchain itself — not by software an agent could trick or talk its way around. Within your limit, your agent can pay on its own. Anything larger, or anything unusual, has to come back to you: a tap with your fingerprint or face on your phone. Even if an agent is completely compromised, it can't move money beyond the rules you set.

We can't read your messages

When your computer and your phone talk to each other to approve a payment, they go through Paygent's relay. Everything they send is end-to-end encrypted: only your own devices hold the keys, so all we ever pass along is scrambled data. We can't read your messages, see what you're paying, or change anything. Think of the relay as handing sealed envelopes back and forth — we never open them.

About USDC

Paygent works in USDC, a stablecoin worth one US dollar. More and more, the law treats USDC as regulated digital money — a way to pay — rather than a security or an investment:

• United States — the GENIUS Act (2025) sets the rules for issuing stablecoins and confirms that a regulated one like USDC is neither a security nor a commodity.
• Canada — the Stablecoin Act (2026), overseen by the Bank of Canada, treats approved stablecoins as a way to pay. USDC is the one Canada has cleared.
• Mexico — dollar-backed stablecoins are handled under banking and currency rules as a payment method, not as a speculative crypto asset.

The common thread: USDC is treated as money, not a security. And Paygent only ever uses USDC — we don't issue it.

How fees work

Sometimes Paygent charges a small fee. It covers the software and the cost of getting your transaction onto the blockchain (the "gas"). It is not a fee for moving your money — and that difference is real, not just wording:

• Your money never passes through us. When you pay someone, your wallet pays them directly on the blockchain. That amount never lands in a Paygent account, so we can't hold it, redirect it, or take a cut.
• The fee covers running costs, not a slice of your payment. It's based on the network (gas) cost plus a small flat amount to keep the service running — never a percentage of how much you send.

Here's the picture: a courier who carries your cash is moving your money. The company that paves the road the courier drives on isn't — it just runs the infrastructure. Paygent is the road, not the courier.

A quick note

This page explains how Paygent works and how the money it uses is treated by law. It's general information, not legal or tax advice — rules change, and your own situation may differ, so check what applies to you. Paygent is made by Introspective Labs, Inc., and these terms are governed by the laws of the State of Delaware, USA.

Questions?

Email us at support@paygent.net.