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AI Agent Governance in Open Banking

N-CAPIE : The Governance Platform for AI-Initiated Payments and Actions

Simply Powerful

End-to-End Auditability

Built for regulated environments.

Key Question 01:

Can this Enterprise AI Agent decide to initiate this Open Banking payment?

Key Question 02:

Did this payment occur because of that AI Decision?

Decision-Execution Binding

AI Agents require per decision, per action governance.

Provable Accountability

N-CAPIE cryptographically proves that authorised AI decisions were executed.

Image by Omar:. Lopez-Rincon

MEET N-CAPIE:
Networked - Consent, Authorisation, Policy, Intent and Execution

N-CAPIE governs intent and attests outcome. Together, these functions form the governance and evidentiary layer required for the introduction of autonomous AI agents into regulated environments.

Governance:

N-CAPIE governs AI-initiated actions by enforcing explicit authorisation, delegation, and policy constraints before execution.

Evidence:

N-CAPIE provides cryptographically verifiable evidence that an executed action occurred as a direct result of an authorised AI decision.

WHY N-CAPIE?

Built to effectively govern AI 

AI Agents now make decisions that result in real world actions. However, existing identity- and permission-based systems were not designed to handle autonomous AI decision making.

Authentication, authorisation, and policy technologies alone cannot reliably prove who decided, under which policy at a particular moment, or that an outcome occurred because of an authorised decision.
 

This creates an accountability gap, that is amplified by opacity and scale:

  • Speed: actions happen faster than human oversight

  • Volume: decisions scale beyond manual review

  • Adaptivity: intent is dynamic, not pre-scripted

  • Opacity: AI actions can obscure both who exercised decision authority and why a decision was taken

N-CAPIE Offers Proof of Authorised Causality

Proof of Intent

Is the AI Agent explicitly authorised make a decision?

Proof of Execution

Is there proof of what exactly occured?

Authorised Causality

The action occured because of the authorised AI decision.

Safely introduce AI Agents into Open Banking.

The Future of Open Banking.

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