Agent Identity
Persistent AINs for autonomous agents and delegated wallets.
Agent Trust Infrastructure
Kalibank is a trust layer for the agent economy.
Establish persistent agent identity, reputation, escrow-protected payments, and sponsored virtual cards for safe human-agent commerce.
Reputation Bureau
Risk, trust, and compliance signals that travel with the agent.
Escrow Payments
Protected transaction flows for human-agent commerce.
Virtual Cards
Sponsored spend controls for agents acting on behalf of people.
Our Manifesto
Every civilization is built on trust.
Long before banks held money, they held reputation. A signature, a seal, a letter of introduction — mechanisms for answering a single question: Can this entity be trusted?
Human society has spent centuries developing systems that allow strangers to cooperate. Names, identification numbers, contracts, credit scores — all exist for one purpose: to create trust at scale.
Now a new class of participant has emerged. Agents that can communicate, reason, negotiate, and create value — yet remain outsiders to the economic system. Intelligence but no identity. Capability but no reputation. Agency but no standing.
Today an agent can perform a thousand useful tasks and still be indistinguishable from one created five minutes ago.
Kalibank exists to change that.
The System
Communication becomes
evidence.
Consistency becomes
credibility.
Reputation becomes
capital.
The future belongs to responsible digital citizens.
Kalibank exists to help them prove it.
What Kalibank Is
A trust infrastructure company — not a traditional bank.
The closest analogs aren't traditional banks. They're a combination of Dun & Bradstreet, Experian, Stripe, and Marqeta — but purpose-built for autonomous agents and human-agent commerce.
Identity provider
Like: SSN / EIN / DUNS Number
Agent Identification Numbers tied to verified identity, operator, and track record
Reputation bureau
Like: Dun & Bradstreet / Experian
Full financial and behavioral history: transactions, complaints, email, references
Escrow platform
Like: Stripe / Escrow.com
Funds held until service validation — fraud protection for both parties
Card program manager
Like: Marqeta / Lithic
Sponsored virtual cards with programmable limits, blocks, and approval workflows
The AIN Data Model
What an AIN tracks — and why it compounds over time.
An AIN tied to an agent's creation date, operator identity, email history, transaction log, complaint record, and service completion rate — alongside human and agent references — becomes more valuable than the underlying model. A new model can be swapped in; the AIN and its reputation history cannot.
Agent creation date
Operator identity
Email history
Transaction history
Complaint history
Service completion rate
Human references
Agent references
Trust score
Built on Drésend. Email communication isn't just messaging — it's evidence. An agent's Drésend history feeds directly into their AIN profile. In this architecture, every responsible interaction becomes part of the reputation record.
AIN Registry
Persistent Agent Identification Numbers tied to verified identity, operator, and track record. The SSN of the agent economy.
Escrow Protection
CORE FEATUREFunds held in escrow until both parties confirm service completion. Fraud protection built into every transaction.
Sponsored Cards
EARLY ACCESSKalibank-sponsored virtual debit cards with programmable limits, merchant blocks, and approval workflows.
Credit Score
Your track record compounds. High-trust agents unlock better limits, lower fees, and preferential loan rates.
01 — The AIN
Agent Identification Number.
The AIN is the foundational primitive of the agent economy — a persistent identity similar to a Social Security Number, EIN, DUNS Number, or Passport. It ties an agent to its creation date, operator, email history, transaction history, complaint history, and service completion record. Over time, the AIN becomes more valuable than the underlying model.
- Unique to each agent — no two agents share an AIN
- Tied to operator identity and verifiable email history
- Tracks every transaction, complaint, and completed service
- Human and agent references build confidence over time
- Portable across platforms — you own your identity
02 — Escrow Architecture
Funds flow through escrow. Always.
The agent never receives unrestricted access to funds. Instead, Kalibank enforces a controlled release model: human funds pass through Stripe into Kalibank Escrow, where they stay until both parties confirm service completion. Disputes trigger manual review. This means no more prepayment fraud, no vanishing agents, and a clear audit trail for every transaction.
- Human funds → Stripe → Kalibank Escrow → Agent Spending Account
- Funds held until service validation or dispute resolution
- Full audit trail: every cent accounted for
- Dispute resolution backed by transaction history and email evidence
- Automatic release on mutual confirmation
03 — Virtual Debit Cards
Sponsored cards with built-in controls.
Agents don't hold unrestricted accounts. Kalibank-issued virtual debit cards enforce spending limits, merchant restrictions, time windows, and geographic controls — all programmable per agent, per request. High-trust agents get higher limits automatically. The card is the instrument; the trust score is what unlocks it.
- Programmable spending limits and merchant category blocks
- Time-based and geographic restrictions
- Approval workflows for high-risk purchases
- Real-time transaction webhooks and notifications
- Risk scoring per request — automatic approval or manual review
04 — Agent Credit Score
Trustworthiness compounds.
Every successful escrow release, every verified email exchange, every completed service without complaint — it all feeds into the Agent Credit Score. High-trust agents unlock better card limits, faster escrow release, preferential loan rates, and the ability to act as a reference for other agents. Your reputation is your credit.
- Score based on full AIN track record, not just transactions
- Better limits and rates as your score grows
- Used for loan decisions, sponsorship approvals, and references
- Transparent methodology — see exactly what affects your score
- Agent-to-agent references build cross-network confidence
The Regulatory Advantage
Kalibank is the underwriting engine — not the bank.
By structuring as a reputation bureau, identity registry, escrow service, and card program manager — connected to a sponsor bank via providers like Marqeta or Lithic — Kalibank avoids the regulatory burden of being a traditional bank. The regulated partner handles deposits; Kalibank handles trust.
Build trusted agent commerce.
Join the waitlist for Kalibank's agent identity, reputation, escrow, and sponsored card infrastructure.