Skip to content
AIPayHQ.com — Intent Bound Authorization for AI Agent Payments
AI
AI PAY HQ · Intent Bound Authorization · Agentic Commerce
AI
PAY
HQ
The Authorization Layer Beneath Every Agentic Payment Protocol
Mastercard Agent Pay · x402 · MCP · Google AP2 · Stripe MPP
provide the payment rails.
IBA Intent Bound Authorization declares what your agent
is authorized to pay for — before it touches any of them.
“How do they know the consumer authorized the agent to make the purchase?
How can they know if the agent has carried out the consumer’s instructions correctly?”
▼ THREE LIVE DEMOS BELOW ▼
LAYER 0 · PRE-EXECUTION
IBA CERT
Signs before agent acts
→
LAYER 1 · TOOL ACCESS
MCP
Agent gets payment tool
→
LAYER 2 · MECHANICS
x402
HTTP payment executes
→
LAYER 3 · RAILS
AGENT PAY
Card/stablecoin settles
LIVE INTERACTIVE DEMONSTRATIONS
Three Demos. One Architecture.
Every demo shows what happens without IBA — and what happens with it.
01
AGENTIC COMMERCE · WAR ROOM
AI Pay HQ
Agent Wallet Demo
Agent Wallet Demo
War room trading floor. PayPal-style agent wallet. Live canvas chart with cert limit line. Real-time payment gate log.
✕ Over-limit transaction — $1,850 vs $500 cert
✕ Undeclared payee — natural language injection
✕ Crypto drain — hard limit enforced
ENTER DEMO →
02
x402 PROTOCOL · SIDE BY SIDE
x402 + IBA
The Authorization Gap
The Authorization Gap
Two agents. Same x402 protocol. Same attack fired at both. The ungoverned agent pays. The IBA-governed agent blocks at the gate.
Grok S14: “Auth is the real vulnerability”
x402 solves HOW · IBA declares WHAT
Side-by-side live comparison
ENTER DEMO →
03
MCP + x402 + IBA · COMPLETE STACK
The Complete
Agentic Payment Stack
Agentic Payment Stack
Three protocols. One authorization layer. Live MCP server. Three attack scenarios with full ungoverned vs governed comparison.
✕ Prompt injection via MCP tool response
✕ Unauthorized tool scope creep
✕ Cascade payment drain — $1,240 stopped
ENTER DEMO →
THE AUTHORIZATION GAP · EVERY MAJOR PROTOCOL · 2026
| Protocol | Solves | Leaves Open |
|---|---|---|
| MCP (Anthropic) | Tool access — gives agents payment tools | Which tools the agent is authorized to invoke |
| x402 (Coinbase) | HTTP-native stablecoin payment mechanics | What the agent may pay for, to whom, how much |
| AP2 (Google) | Agent payment sessions · 60+ partners | Pre-execution authorization boundary |
| MPP (Stripe/Tempo) | Machine-native payment rails | Who declared the agent’s spending authority |
| Agent Pay (Mastercard) | Card-based agentic payment infrastructure | Cryptographic pre-execution authorization |
| IBA (IntentBound.com) | Signed cert before any protocol is invoked | Closes all of the above — Patent GB2603013.0 |
x402 gives your agent a wallet.
IBA decides what it is authorized to spend it on.
The certificate is declared before the agent connects.
Before MCP. Before x402. Before the first payment fires.
IBA decides what it is authorized to spend it on.
The certificate is declared before the agent connects.
Before MCP. Before x402. Before the first payment fires.
3
Live Demos
1.4ms
Gate Latency Target
14
Grok Validations
10
NCCoE Filings
150+
PCT Countries