In development

Let AI handle the payment. Keep control of the money.

YMR is being built so your AI agents can handle purchases and payment tasks within rules you set. Decide what they can spend, when you need to approve and when to stop, across supported banks, cards and crypto wallets.

Join early access Explore how it works

Your agents. Your limits. Your final say.

Illustrative product preview Software renewal

Business admin agent Acting for Example Owner

Active

Proposed payment Example Software

A$50.00

Signed rules Status

Per-payment limit A$50Pass
Approved recipient onlyPass
Daily budget remaining A$200Pass
Owner approval requiredRequired

Illustrative only. Fictional data. No money moves.

The reason to care

Put AI to work on the payments that take up your day.

Renewing software, preparing supplier payments and keeping routine spending within budget all take attention. YMR is designed to let an agent do more of that work while you define the limits and stay involved where it matters.

Less payment admin

Let agents prepare and carry out permitted tasks through supported connections.

Clear spending boundaries

Set who an agent can pay, how much it can spend and when approval is required.

Control you can use

See what happened, pause further spending and keep a record of the authority behind each action.

The product promise

Give an agent a job. Give it boundaries.

A payment is only one part of the story. YMR connects the owner, the agent, the spending rules and the payment record, so delegated work stays accountable from instruction to outcome.

Set the authority.

Link an agent to its verified owner and sign the rules it must follow.
Put it to work.

YMR checks the proposal, obtains required approvals and enables a tightly limited payment through a supported provider.
Stay in control.

Monitor activity, stop further authority and keep the signed record.

See the complete flow

Interactive example

See your rules in action.

Try an illustrative payment request to see how spending limits, approvals and a paused agent change the outcome.

Illustrative demo. No money moves. Business admin agent · Software renewal

Choose a scenario

Proposed payment

Example Software A$50

Task: Software renewal

Checks against signed rules

Per-payment limit A$50Pass
Approved recipient onlyPass
Daily budget remaining A$200Pass
Owner approvalRequired

Rules matched

Waiting for owner approval.

The interactive example needs JavaScript. The scenario descriptions above still explain the rules: within the limit, over the limit, a different recipient and a paused agent.

This example represents a proposed delegated route. In the first bank workflow, a named person releases the prepared payment inside their bank.

For you

Let an agent handle the task. Keep the spending decision yours.

Give a personal agent a defined budget for an approved purchase or service. Require approval when you want it, see the resulting record and pause further spending if your plans change.

Join early access

Illustrative uses. Availability will depend on supported providers and pilot scope.

For business

Less chasing payments. More control over who can commit money.

Let agents help prepare bills, organise payment tasks and apply your spending policies. Give each agent a defined role, route approvals to the right people and keep a record of the instruction, authority and outcome.

Independence across providers

Choose your agents. Keep your rules.

Your controls should not depend on using one AI provider or one way to pay. YMR is being designed to carry the same approach to ownership, permissions and evidence across supported agents, banks, cards and crypto wallets.

Owner

Signed rules

AI agents Send proposals

YMR Checks rules and coordinates bounded authority

Banks, cards, wallets Execute authorised actions

Funds remain with the owner or their provider

Evidence record Instruction, mandate, approvals and outcome

Connections will be introduced through pilot and provider arrangements.

Existing foundation

Built on ARNEL. Extended into payments.

ARNEL provides the existing agent governance and execution functionality at YMR's core. YMR builds on that foundation with payment-specific mandates, owner approvals, restricted execution and a record of authority across supported payment routes.

Why we are building YMR

Common questions

Questions about YMR

Short answers to the questions people ask most often.

Read all questions about YMR

Can I use YMR today?

YMR is in development. You can register your interest in early access or a partnership conversation. ARNEL provides the existing core functionality; payment-specific features and integrations are being developed around it.

Is YMR only for cryptocurrency?

No. YMR is being designed for payment work across supported banks, card providers and crypto wallets. The initial bank workflow keeps payment release with a named person inside their bank. Other routes will depend on the relevant integrations and arrangements.

Will YMR hold my money?

The intended model keeps fiat funds with your bank or payment provider and cryptocurrency signing keys under your control. YMR manages the rules, authority and execution process around supported payment routes.

Do I have to approve every payment?

Approval requirements follow the signed mandate and the supported workflow. You can require human signatures for specified actions. Where a policy permits action without a fresh signature, independent verification and deterministic controls still apply. An agent cannot grant itself more authority.

Can I stop an agent?

YMR is being designed to stop further payment authority and revoke unused credentials where supported. A stop action cannot undo completed payments, and recovery of an action already in flight is not guaranteed.

Be part of putting AI agents to work with money.

Join early access Discuss a partnership