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For developers

The orchestration layer for identity-anchored money

Verified identity for humans and agents. Provable mandates that authorize real work. One API for every rail, from Visa Intelligent Commerce to direct stablecoin settlement.

Fig 0.1 · identity-anchored money flow

01THE STACK

Asingleidentity,aprotocoltointeractwithit,andacomposableplatform

Identity anchors mandates. Mandates authorize money movement and agent action. Agents drive errands that settle on any rail.

executes ↑ real work
Envoytasked + authorized agents, run over long horizons
Agents
settles ↑
Atomic Moneyevery funding + settlement surface, one identity
Money
authorizes ↑
Errandscoped mandates: spend, share, delegate
Mandates
anchors ↑
Sigilportable, KYC-verified proof of personhood
Identity
02SIGIL

Sigil

Portable, Verified Identity

A portable, KYC-verified identity. Self-sovereign proof of personhood, established once, carried across the entire Sumvin ecosystem.

Use it to

  • Provide SCA on every transaction, whether a human or an agent made it.
  • Eliminate onboarding friction with re-usable KYC.
  • Maintain customer loyalty across human and agentic experiences.
Fig. 2.1 · Seal
Request
x-sumvin-pint-token: eyJ…
scope: sr:us:pint:identity:proof_of_personhood
03ERRAND

Errand

Mandates for Autonomous Systems

A flexible protocol to approve and authorize any instruction or consent. Share data, make payments, and delegate authority with a single cryptographically provable token.

Use it to

  • Approve data sharing in a granular, scoped, privacy-preserving way.
  • Make scoped payments across any payment rail.
  • Delegate authority to agents with provable payment, time, and merchant constraints.
Fig. 3.1 · Scoped Token
Mandate
scope: sr:us:pint:spend:execute
cap: $200 · window: 30d
04ATOMIC MONEY
Fig. 4.1 · Converging Rails

Atomic Money

Funding and Settlement across any Rail

The payments umbrella. Every funding and settlement surface a consumer stack needs, each anchored to the same identity.

Use it to

  • Pre-fund accounts with no onboarding friction.
  • Issue and manage cards that both humans and agents can pay with.
  • Link accounts, move money, and settle in a single operation, regardless of the rail on either side.
On/off rampsBank accounts via Open BankingCard issuingPayment links & x402P2P stablecoinHTTP 402 Payment Required settle
05ENVOY

Envoy

Cloud Agents built for Finance

The agents platform that gets real financial work done for Sigil users, driven by Errands. Tasked and authorized with precise guardrails, equipped out of the box to pay, manage, and orchestrate.

Use it to

  • Find and purchase any product, no matter how hard to find.
  • Watch and monitor prices over long horizons. Limit orders for all of commerce.
  • Manage and save money across any account.
Fig. 5.1 · Errand Loop
06IN COMPOSITION

Thewholestack,workingasone.

An agent buys concert tickets under a cap.

Sigilverify
Errandmandate: spend, cap $200, 30d
Envoyfind + purchase
Atomic Moneysettle via card / x402

A merchant accepts an agent as a verified customer.

Sigilproof of personhood
Errandscoped data share
Atomic Moneycharge

A user delegates monthly saving.

Sigilverify
Errandrecurring mandate
Envoymove + save across accounts

Buildontheorchestrationlayer.

Verified identity, provable mandates, and every rail, behind one API.

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