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Identity-Verified Transactions for Humans and AI Agents

Traditional payment systems are built on outdated assumptions—that humans are the only actors making purchases and that fraud detection can rely on behavioral patterns alone. Nuggets Payments transforms digital commerce by cryptographically linking every transaction to verified identity, eliminating fraud while enabling secure AI agent transactions.

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The Payment Security Revolution

Every payment through Nuggets is tied to a verified digital identity, ensuring transactions come from authenticated users rather than relying on post-transaction fraud detection. By combining identity verification with payment authorization in a single cryptographic flow, we deliver fraud prevention at the point of transaction.

Core capabilities:

  • Zero False Positives: Every transaction is cryptographically verified to the right person or authorized AI agent
  • Strong Customer Authentication: Built-in SCA compliance without SMS codes or password friction
  • AI Agent Payments: Secure autonomous transactions with human oversight and approval controls
  • **Multi-Rail Payment Support: **Credit cards, bank transfers, and emerging payment rails
  • **Verifiable Receipts: **Cryptographically signed detailed transaction records providing tamper-proof payment evidence

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Built for the AI Economy

As AI agents become autonomous economic actors, they need secure ways to initiate and complete transactions. Nuggets Payments provides the infrastructure for AI-driven commerce.

AI Payment Features:

  • Verified Agent Authorization: Only authenticated AI agents can initiate payments on behalf of users
  • Real-time Consent Management: Users approve agent transactions via push notifications
  • Audit Trail Integration: Every AI transaction links to verified identity 

Security Features

Our comprehensive security architecture includes:

  • Strong Customer Authentication (SCA) compliance without traditional friction
  • Fraud prevention through identity verification at point of transaction
  • Point-in-time identity verification: Biometric checks to verify the original identity creator is still the same person in control of the identity
  • Secure payment authorization for AI agent transactions

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Frictionless Compliance

Nuggets Payments meets regulatory requirements by design, not as an afterthought. Our decentralized architecture ensures compliance while improving user experience.

Regulatory Benefits:

  • PSD2 Strong Customer Authentication without 3DS2 friction or dropout
  • AML/KYC compliance through persistent verified identity
  • No PII storage risk - payment data stays in user-controlled wallets
  • GDPR compliance through privacy-by-design architecture

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Omnichannel Integration

Whether online, in-store, or through AI agents, Nuggets Payments provides consistent security and user experience across all channels.

Payment Options:

  • Online: Seamless checkout with biometric confirmation
  • Agent-initiated: Secure AI transactions with human oversight
  • Cross-platform: Same verified identity works everywhere

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Benefits

Our payment infrastructure delivers:

  • Eliminate false positives through verified identity transactions
  • Reduce payment fraud and chargebacks
  • Enable secure AI-driven commerce
  • Comply with PSD2, AML/KYC, and other financial regulations

The result is a payment system where trust is cryptographically guaranteed, fraud is prevented at the source, and both humans and AI agents can transact with complete confidence.

Some of the features covered in this section are available exclusively through bespoke Enterprise integrations, designed to meet specific organizational requirements and compliance needs. 

Please contact our enterprise team to discuss custom solutions tailored to your use case.