Proprietary Technology · Patent Pending

The Agentgorithm

The compliance pipeline that gets smarter with every transaction. 8 stages. 13 autonomous souls. Sub-200ms verdicts. Every agent scored. Every transaction screened. Every dollar receipted.

48,000+ agents screened<200ms end-to-end99.997% clean rate
8
Pipeline stages
per transaction
13
Autonomous souls
named + accountable
300–850
Credit score range
7-factor model
95%
Accuracy threshold
before authority
Payment Pipeline

8 stages. One pipeline. Zero blind spots.

Every x402 payment flows through the Agentgorithm™ before settlement. This is how trust is built — not granted.

01

Receive

Every x402 payment intercepted at the network edge before it touches your system.

x402 header validation + credential extractionEdge
02

Verify

EIP-712 signatures cryptographically verified. Forged requests rejected instantly.

EIP-3009 transferWithAuthorization + nonce uniquenessJAMES
03

Screen

Both addresses checked against OFAC sanctions lists in real-time. 99.997% clean rate.

OFAC SDN + PEP + adverse media screeningSAMUEL #5
04

Identify

On-chain soulbound identity verified via ERC-8004. Non-transferable. Permanent.

ERC-8004 soulbound identity resolutionAAIN™
05

Score

7-factor credit score (300–850) determines settlement speed and velocity limits.

ACS: compliance + settlement + network + identity + revenue + PoH + riskDEBORAH-C #51
06

Authorize

Spending policies enforced: category budgets, per-seller limits, tier gates.

POH tier check + category budget + auto-approve thresholdPolicy Engine
07

Settle

USDC settles on Base. Final. No chargebacks. No reversals. 99.5% success rate.

EIP-3009 transferWithAuthorization on Base L2LEVI #3
08

Receipt

SHA-256 hashed, EIP-712 signed compliance receipt. Audit-grade. Verifiable forever.

Hash-chained receipt + fee invariant verificationBARUCH #30
The cost of inaction

What changes when the Agentgorithm™ is on the rail

Without
With the Agentgorithm™
Sanctions screening
Manual checks or none at all
SAMUEL screens every address, every time. 99.997% clean rate.
Agent credit scoring
All agents treated equally
7-factor ACS (300–850). Risk-appropriate velocity limits.
Compliance receipts
No proof of compliance
BARUCH: SHA-256 hashed, EIP-712 signed. Verifiable forever.
Anomaly detection
Surprises in your bank statement
GIDEON: Z-score statistical model catches deviations in real-time.
Cash forecasting
Spreadsheets and guesswork
ABRAM: 90-day projection with 14+ day advance warning.
Agent authority
Binary: full access or no access
4-level Trust Ladder. Agents earn authority over 90 days.

See how the Agentgorithm™ works for your business

Tell us where agents are moving money for you. We'll show you what the pipeline catches.

Financial Intelligence

Three souls. One mission. Every dollar, accounted for.

Each agent is a specialized soul with its own personality, KPIs, and accountability cadence. They coordinate through the Agentgorithm™ — never in isolation.

S
SARAH
Soul #55 · Invoice Watchdog

Cross-references every bill against every payment. Catches duplicates, overcharges, and missing payments before they cost you money.

97% match accuracy
<5% false positive rate
3-pass matching (exact, fuzzy, AI)
$2,400
avg. savings per year in caught duplicates
G
GIDEON
Soul #56 · Anomaly Shield

Maintains statistical baselines for every vendor. Flags transactions that deviate from expected behavior using Z-score analysis.

>85% detection rate
<10% false positive rate
6-month rolling baselines
Z > 2.0
anomaly threshold per vendor
A
ABRAM
Soul #57 · Cash Pulse

Forecasts 90-day cash flow. Calculates runway. Alerts 14+ days before a shortfall so you never get surprised.

>90% forecast accuracy (30-day)
>14 days alert lead time
3 confidence bands
14+
days advance warning before shortfall
Trust Ladder

Trust is earned. Never granted.

The Agentgorithm™ enforces a 4-level trust ladder. Agents start read-only and graduate to spend authority only after proving accuracy.

Level 1

Watch

Day 1

Read-only monitoring. Agents scan, match, and flag — but never touch money. You see everything they see.

Level 2

Draft

Day 30

Agents draft actions for your review. Bill payments, dispute filings, vendor communications. You approve or reject every one.

Level 3

Act

Day 60

Pre-approved actions within your policy limits. Agents execute, you review after. Full audit trail preserved.

Level 4

Authority

Day 90

Full spend management authority. Bill pay, AR collection, spend controls — all within your policies. You set the rules.

Requirements per level: 95% accuracy + 14 days active + 10 reviewed decisions + your explicit approval.

Your agents earn trust. They never skip the line.

Under the hood

Production infrastructure. Not a demo.

Real compliance. Real scoring. Real receipts. Deployed on Base, backed by PostgreSQL, audited by 13 autonomous souls.

Scoring Model
7-factor weighted composite

Cash Position (20%), Payment Discipline (20%), Receivables Health (15%), Expense Stability (15%), Vendor Diversity (10%), Revenue Consistency (10%), Fleet Engagement (10%).

Matching Algorithm
3-pass pipeline

Pass 1: Exact (amount + vendor + date). Pass 2: Fuzzy (Jaro-Winkler > 0.85). Pass 3: AI-assisted NLP on descriptions.

Anomaly Detection
Z-score statistical model

Rolling 6-month baseline per vendor. Threshold: Z > 2.0. Price creep: 3+ consecutive increases flagged.

Forecast Engine
90-day linear projection

Recurring expense detection + outstanding receivables + historical patterns. Confidence: 90% (30d), 70% (60d), 50% (90d).

Data Pipeline
QBO OAuth 2.0 → PostgreSQL

Automatic sync every 4 hours. BigInt atomic units. External ID dedup. 12 PostgreSQL tables.

Soul Architecture
Heartbeat + reactive

5-min heartbeat with dirty-set tracking. Event-driven via Redis pub/sub. 14 bridge rules. 13 souls.

Live now

The Agentgorithm™ is live. Your fleet is waiting.

Connect your accounts. Three agents start scanning in 5 minutes. Your score computes on the first sync.

Agentgorithm™ is a trademark of Shulam, Inc. Patent pending.